If you’ve been involved in a car accident in California and a rideshare vehicle was involved, you might feel overwhelmed and unsure of your next steps. These types of accidents can be more complex than a typical collision. When you’re dealing with the aftermath of injuries, medical bills, and lost wages, trying to navigate the insurance policies of major companies can be overwhelming and frustrating. It’s crucial to understand that your rights to compensation are protected under California law, but you need to take steps to protect those rights. If you’re wondering whether you can sue a rideshare driver after an accident, continue reading and contact a San Mateo County, California Uber accident lawyer today.
Can I Sue a Rideshare Driver After an Accident With Uber or Lyft in CA?
Car crashes involving Uber, Lyft, or other services can be confusing, especially when it comes to liability and compensation, so understanding your rights and options is important. Because California is an at-fault or tort state, yes, you may be able to sue the Uber or Lyft driver involved in your accident, given that they are responsible. However, that may not be the best first step to take.
What Should I Do to Recover Compensation in CA?
One of the most logical routes to pursuing compensation after your accident is through an insurance claim. You can file a claim with either the driver’s or Uber/Lyft’s insurance, depending on the driver’s status at the time of the accident.
Filing a claim may be the better option if liability is clear, your injuries are well-documented, and the policy limits are sufficient to cover your damages. Claims can be submitted through Uber or Lyft’s insurance portal or adjusters. A skilled attorney can help you navigate the claims process and communicate with insurance representatives.
When Do Uber/Lyft’s Insurance Policies Apply?
Both Uber and Lyft offer different tiers of coverage based on the driver’s working status at the time of the accident. The following coverages apply.
- The driver was offline: If the driver was not active on the app and was driving their vehicle unrelated to their work for Uber or Lyft, only their personal auto coverage applies.
- The driver was online and available: If the driver was on the app and able to receive ride requests, both Uber and Lyft maintain liability coverage of $50,000 per person and $100,000 per accident for bodily injury, as well as $25,000 per accident for property damage.
- The driver was en route or had passengers in the vehicle: If the driver was on their way to pick up passengers or was in the middle of a ride, both Uber and Lyft maintain $1,000,000 in third-party liability coverage, which may apply to property damage and injuries to riders and third parties.
It often makes more sense to pursue compensation through these insurance policies, but you do have the option to sue the driver directly for their negligence. To learn more, reach out to a skilled attorney today.