Uber & Lyft Accident Lawyers in Tulepo, MS
Taking on Rideshare Companies so You Don’t Have To
No one ever expects to get into a car accident. This is especially true when you pay for your ride. Unfortunately, Uber and Lyft drivers are just as likely to be in a car crash as anyone else on the road. When these collisions occur, the resulting insurance claims can be just as nightmarish as any injuries or losses the accident inspires.
If you were seriously injured in an Uber or Lyft crash, don’t let big businesses take advantage of you. Instead, contact MW Law Firm PLLC - Mama Justice and find out how we can help.
How Are Uber & Lyft Accidents Different Than Other Car Accidents?
In many ways, Uber and Lyft accidents are similar to other car accidents. You will still need to find fault, seek medical attention after your collision, and work with insurance companies. The biggest difference is that multiple parties, and possibly multiple insurance companies, will be involved in any claim you file after an accident involving Uber or Lyft.
If you are driving your own car when you collide with an Uber or Lyft, for example, the process will be almost the same as if you were in any other accident. The at-fault driver will be responsible for any damages the accident causes. The big difference here is that the driver’s personal insurance company will likely deny their claim, as the driver was using their car for commercial purposes. When this happens, Uber and Lyft have limited liability insurance policies that can cover your injuries.
This same principle applies if you were an Uber or Lyft passenger at the time of the accident.
Can I Sue Uber or Lyft?
Because rideshare companies hire drivers as “independent contractors,” you cannot technically sue the company for the negligence of their employees. That being said, you can still hold Uber and Lyft responsible for the financial consequences of your crash. Uber and Lyft recognize that most of their contractors do not have business “endorsements” on their insurance policies, so they provide back-up insurance when claims are denied.
To receive coverage from Uber or Lyft, you must first file a claim against their driver’s insurance company. Once this claim is rejected, you can file with company insurers. Like any other insurance companies, however, the insurers who represent Uber and Lyft are concerned with their bottom line. They may low-ball your claim or avoid paying out policy maximums.
Our attorneys can help you get a more favorable settlement. We are licensed and have active cases in Mississippi, Tennessee, and Texas.
How Coverage Works in Uber & Lyft Accidents
Just because the car who hit you has an Uber or Lyft sticker does not mean company insurance will apply in your crash. Conversely, Uber and Lyft passengers will almost always be covered in the event of a collision. This is because Uber and Lyft provide different levels of coverage for drivers, depending on when the accident occurs.
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If you are entitled to full policy limits, we will do everything in our power to help you get it.
- If the driver is not logged into the Uber/Lyft app, for instance, the companies will not provide any coverage. This is known as Period 0.
- Period 1 takes place when the driver is logged into the app but has not yet accepted a ride request. Here, Uber/Lyft provides liability coverage of up to $100,000 for injuries ($50,000 per person) and $25,000 for property damage.
- During Period 2, a driver is on their way to pick up a passenger and their liability coverage increases to $1 million.
- When passengers are in the car, Period 3 coverage kicks in. Uber/Lyft offers its drivers up to $1 million in insurance and coverage for uninsured or underinsured motorists during this phase.
A hefty settlement may not represent as much to big companies like Uber and Lyft as it does to you. Any compensation you recover can help you afford medical bills, offset missed wages, recover from injuries and losses, and so much more.
That’s why our team at MW Law Firm PLLC - Mama Justice is not afraid of big businesses and insurance companies. We fight for you like our own family, no matter what. We also offer personal support every step of the way. Our attorneys are always available and will not leave you hanging. When you trust our firm, you will have Mama Justice’s cell phone number and our full dedication to winning your case.
Call us at (662) 262-6264 today to schedule a free consultation.
Mrs. Wigginton is true to her name.- Lillian F.
Missy is a fighter and doesn't give up on her cases.- Gayla
Mama Missy truly cares about her clients.- Elizabeth
Best lawyer ever!- Former Client
Missy gets the job done!- Keith