Uber, Lyft, and other rideshare companies have transformed the transportation sector. Drivers and passengers now use a mobile rideshare application instead of calling a taxi company. The drivers, however, are independent of the large corporations running the app. This situation creates a complex insurance patchwork that can leave accident victims struggling to get straight answers about who will pay for injury expenses. An Uber accident lawyer in Las Vegas can untangle these issues and build a well-documented accident claim with the responsible insurer.
Factors Influencing Ride Share Accident Insurance Coverage
A rideshare accident attorney in Las Vegas has experience with the multi-layered insurance system that applies when people drive or travel with Uber or Lyft. The first variable that your Uber or Lyft accident lawyer in Las Vegas will investigate is who is at fault. When a third-party driver in another vehicle causes the crash, that person’s auto insurance policy applies. However, an uninsured or underinsured driver could shift financial liability onto the rideshare company’s insurance.
If the rideshare driver was at fault, then whether or not that person was logged into the Uber or Lyft app enters the equation. You may have a viable claim against the rideshare company’s insurance when an at-fault rideshare driver was logged into the app and waiting for a job, going to a job, or transporting a passenger. Alternatively, an at-fault driver NOT logged into an app will have to rely on personal auto insurance to cover the accident.
As you can imagine, these scenarios could tempt insurers to try to shift liability to another party’s policy. The result for you will be the proverbial runaround. An Uber accident lawyer in Las Vegas can organize evidence and pin down which company should pay damages.