Both Uber and Lyft are ridesharing services, much like a taxi that you can access from an app on your phone. However, at the current time, Uber is a larger company than Lyft, so Uber is available in more locations. Uber operates internationally, while Lyft operates only in the United States and Canada.
UBER AND LYFT ACCIDENTS
What is the difference between Uber and Lyft?
We handle ride-sharing accidents involving drivers and passengers.
For Taxi Service Drivers
Ridesharing Services FAQ
While Uber and Lyft drivers do not require any special training, these drivers do have to meet certain criteria. Uber drivers must be 21 years or older, have at least one year of driving experience in the U.S. (or 3 years of experience if the driver is less than 23 years old), have a valid U.S. driver’s license, and drive an eligible 4-door vehicle. Lyft requirements are less stringent.
Lyft drivers must also be 21 years or older, have a valid U.S. driver’s license, and have 1 year of driving experience. Before allowing a driver to use their ridesharing app, Lyft performs a DMV check and a background check to make sure the driver does not have a poor driving record and/or a criminal history.
The type of insurance coverage afforded to a driver and to persons injured by him or her depends on the activity in which the driver is engaged at the time of the accident. Generally, these ridesharing services have insurance for up to $50,000/$100,000/$25,000 in coverage if the driver has the app on but has not yet picked up a rider.
Once the driver has picked up a rider and for the duration of the ride, the ridesharing services generally have insurance for up to $1,000,000 in Bodily Injury liability coverage and $1,000,000 in Uninsured/Underinsured (UM) coverage. There is also the possibility that the driver carries his or her own insurance that may provide additional coverage, depending on the language of the insurance policy. An attorney familiar with ridesharing service accidents can help you figure out what kind of coverage applies to your specific situation.
Uber and Lyft have insurance coverage for this very situation, and the applicable Bodily Injury liability limits (see above) would likely apply.
Your claim is against the driver of the Uber or Lyft who caused the accident, and their insurance company should cover your damages.
The person who caused the accident is liable for the damages, and a search will need to be done to ascertain what kind of insurance coverage they have as well as the amount of coverage.
In the event that the at-fault driver did not have insurance coverage or did not carry Bodily Injury liability coverage on his or her policy, Uber and Lyft’s insurance policies provide Uninsured/Underinsured Motorist (UM) coverage to compensate you for damages sustained while a passenger using the ridesharing app.
The at-fault party is liable for your damages, and a search will need to be done to ascertain what kind of insurance coverage they have as well as the amount of coverage. In the event that the at-fault driver did not have insurance coverage or did not carry Bodily Injury liability coverage on his or her policy, then you would need to have Uninsured/Underinsured (UM) coverage.
If you were driving a passenger or on the way to pick up a passenger, the UM insurance provided by Uber or Lyft should cover you for the damages you sustain. If, however, you are using the app but have not yet accepted a ride or are not actively carrying a passenger, your own personal insurance should cover your damages, assuming you purchased UM coverage. An attorney familiar with ridesharing service accidents can help you figure out what kind of coverage applies to your specific situation.
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