Determining who will be responsible for covering injuries and property damage in the aftermath of an Uber or Lyft accident in Aurora can be challenging. If another driver, aside from the Uber or Lyft driver, was at fault for the incident, then the at-fault driver's insurance carrier will be responsible for covering the expenses of others involved. However, things get tricky if the rideshare driver causes the crash.
If an Uber or Lyft driver is not signed into the app to work, then they will be considered off duty. If they cause a crash while they are off duty, then their personal insurance carrier will be responsible for covering any injury or property damage expenses of other parties.
If an Uber or Lyft driver is signed into the app to work but does not have a passenger and is not on the way to pick one up, then their personal insurance carrier will still primarily be responsible for covering any damages to other parties. If the personal carrier denies the claim or if the insurance limits are exhausted, Uber and Lyft have supplemental insurance policies that will kick in to cover the difference.
If an Uber or Lyft driver is signed into the app to work and has a passenger or is on the way to pick one up, then both rideshare companies have $1 million liability insurance policies that are supposed to kick in and cover every party involved in the collision.
If you were injured after a hit-and-run accident involving an Uber or Lyft driver, contact our Aurora hit-and-run accident lawyers for legal representation and help with securing compensation.