Usually in a car accident, both drivers use their personal insurance coverage to cover damages. However, in an Uber or Lyft accident, it’s different.
Rideshare drivers are independent contractors driving their own vehicles to make some money on the side. Therefore, their insurance works differently than a taxi service or other type of car accident. They are required to carry the minimum bodily injury coverage, which is $15,000 per person or $30,000 per accident.
Uber’s insurance coverage takes effect when a driver’s personal insurance does not apply, or if the damages from the Uber Lyft accident exceed the driver’s personal auto insurance plan. Then, Uber’s liability insurance coverage kicks in.
Whenever you are dealing with a company invested in protecting itself, you need an attorney standing up for you. Rideshare companies have their own lawyers, so you should, too. Call Ogg, Murphy & Perkosky, P.C. today.