In the modern age, the convenience of rideshare platforms such as Uber or Lyft has transformed the way many of us travel. While these services have undeniably made transportation easier, they have also brought about unique safety concerns. To understand these concerns better, let’s explore the most common causes of rideshare accidents.
Driver Inexperience
One of the most frequent causes of accidents is driver inexperience. While these drivers undergo a screening process, they aren’t always subjected to rigorous training. Therefore, some drivers lack the necessary experience or skills to navigate challenging traffic situations, which can lead to mishaps.
Distractions Inside the Car
Driver distraction remains a significant factor. The nature of the ridesharing job requires drivers to use their mobile apps, which can take their attention away from the road. Other common distractions include adjusting the radio, checking the GPS, or even conversing with passengers.
Fatigue and Drowsiness
Since rideshare drivers tend to be paid for each job they do, they often work long hours to maximize their earnings. As a result, fatigue and drowsiness become commonplace, impairing a driver’s judgement, slowing reaction times, and increasing the risk of an accident.
Driving Under the Influence
While most would assume that professional drivers are less likely to drive under the influence, it still happens. Whether it’s due to alcohol, drugs, or prescription medication, impaired driving poses a severe threat to everyone on the road.
Speeding and Aggressive Driving
In an attempt to increase the number of rides per day, some drivers might resort to speeding or engage in aggressive driving behaviors. Such actions not only endanger their passengers, but also other road users.
Vehicle Maintenance Issues
The condition of the rideshare car plays a pivotal role in ensuring a safe journey. Poorly maintained vehicles can lead to unexpected breakdowns or malfunctions on the road, resulting in potential collisions.
What to Do if You Are Involved in a Rideshare Accident
In the unfortunate event that you are involved in a rideshare accident, taking the right steps immediately afterwards can make a world of difference. Whether you are a passenger, driver, or another party involved, these steps can help ensure safety and protect your rights.
Ensure Safety First
Before anything else, check on the wellbeing of all involved parties. Call 911 immediately if anybody is seriously injured. Move to a safe spot, away from traffic if possible, and turn on hazard lights to signal an accident.
Call the Police
No matter how minor the accident may seem, always report it to the police. They will provide an official report, which can be crucial for insurance claims and legal proceedings.
Gather Information
Document all the details of the accident. This includes taking photos of vehicle damage, the accident scene, and any visible injuries. Collect names, phone numbers, and insurance information from all involved parties. If there are any witnesses, get their contact information too.
Report to the Rideshare Company
Immediately report the accident to the rideshare company through their app or customer service. They typically have procedures in place for such incidents and will guide you through their process.
Seek Medical Attention
Even if you believe your injuries are minor, it’s essential to see a doctor. Some injuries may not manifest symptoms immediately but could become serious later. Medical records also serve as evidence if you decide to pursue a claim with a rideshare accident lawyer.
Maintain Records
Keep a detailed record of everything related to the accident – medical bills, repair bills, communications with the rideshare company, and any other relevant documents. This will be useful for both your insurance company and your rideshare accident lawyer.
Understanding Rideshare Insurance
After a rideshare accident, navigating the world of insurance can be tricky, especially given that rideshare platforms operate with a unique insurance structure compared to conventional vehicles.
Rideshare Company Insurance
Major rideshare companies, such as Uber and Lyft, offer liability coverage for their drivers. However, this coverage is tiered based on the driver’s status at the time of the accident:
- Online or app off: If the rideshare driver is not active on the app, only their personal car insurance applies.
- App on, waiting for a ride request: During this period, a limited liability coverage is provided by the rideshare company. This typically covers any damages or injuries that exceed the driver’s personal policy limits.
- En route to pick up or during a ride: When the driver is on their way to pick up a passenger or has a passenger in the vehicle, the coverage is usually at its highest. This typically includes liability, comprehensive, and collision coverage.
Personal Insurance Gaps
Many personal car insurance policies have exclusions for commercial or ‘for-hire’ activities. This means that if a driver is involved in an accident while working but not covered by the rideshare company’s insurance, there may be a gap in coverage.
Third-Party Claims
If another driver caused the accident, it might be possible for your rideshare accident lawyer or insurance company to file a claim against that driver’s insurance. This is where understanding liability and fault is crucial. A rideshare accident injury lawyer can assist in determining the best course of action in such scenarios.
Uninsured and Underinsured Motorist Coverage
If the other driver is uninsured or lacks adequate coverage, the rideshare company’s uninsured and underinsured motorist coverage might come into play. This can be invaluable when it comes to ensuring that victims receive adequate compensation.
Determine the True Value of Your Claim Today
Understanding the worth of your claim is pivotal in ensuring that you receive the compensation you rightly deserve after a rideshare accident. We know that each case holds unique factors and circumstances that can significantly influence its value.
Let our experts provide you with a precise, comprehensive assessment of your claim’s potential. Whether you were the driver, passenger, or a third-party in a rideshare accident, you can book a free consultation.
Don’t leave such a crucial aspect down to chance. Contact our legal team at What’s My Claim Worth today.
