Getting into a car accident is never fun, but when you’re a passenger in an Uber or Lyft, the situation can feel even more confusing. With ridesharing services now used by 60% of Americans in major cities on either a daily or weekly basis, and the user base expected to reach nearly 100 million by 2029, more people than ever are finding themselves in this exact predicament. Here’s what you need to know to protect yourself if you’re ever injured in a car accident involving a rideshare.
Table of Contents
Stay Calm and Check for Your Car Accident Injuries
Your first priority is always safety. Take a deep breath and check for injuries. Asses whether you or anyone else in the vehicle needs immediate medical attention. Even if you feel fine initially, remember that adrenaline can mask injuries. If anyone is hurt or you’re unsure, don’t hesitate to call 911. It’s better to be cautious than sorry.
Document Everything at the Car Crash Scene
Once you’ve confirmed everyone’s safety, start gathering information. Take photos of the vehicles involved, any visible damage, the accident scene, and your surroundings. Get the rideshare driver’s name, license number, and insurance information, as well as details from any other drivers involved. Don’t forget to note the exact location, time, and weather conditions.
Unfortunately, rideshare-related traffic accidents increased by 15% between 2019 and 2022, making proper documentation more important than ever. With distracted driving accounting for approximately 66% of rideshare-related crashes, having clear evidence of what happened can be crucial for insurance claims.
Contact the Authorities
Always call the police, even for minor accidents. A police report creates an official record of the incident, which insurance companies and legal professionals will need later. Be honest about what you observed, but stick to facts rather than speculation about who was at fault.
Report the Car Accident Through the App
Both Uber and Lyft have built-in accident reporting features in their apps. Report the incident as soon as possible after ensuring everyone’s safety. The rideshare company will likely start their own investigation and can provide additional insurance coverage depending on the circumstances.
Understand Your Car Insurance Options
Rideshare insurance can be complicated because it depends on what the driver was doing at the time of the accident. If the driver was actively transporting passengers or heading to pick up a ride, the company’s commercial insurance typically provides coverage. However, if the driver was offline or waiting for a ride request, their personal insurance might apply instead.
With Uber controlling 71% of the rideshare market and Lyft holding 29%, both companies have developed comprehensive insurance policies, but understanding which coverage applies to your situation is essential.
Consider a Consultation with a Car Accident Attorney
As the rideshare market heads toward an estimated value of $185.1 billion by 2026, these cases are becoming increasingly complex. If you’ve sustained injuries or face significant property damage, you should consult legal specialists who understand rideshare accidents and can help you navigate the insurance maze and ensure you receive fair compensation.
Remember, accidents happen, but knowing these steps can help you handle the situation confidently and protect your interests.
