Rideshare Insurance Claims and Periods of Coverage
Rideshare companies operate under a unique insurance framework that blends personal auto insurance with commercial coverage. This setup aims to protect both drivers and passengers, but it can be confusing to navigate, especially after an accident.
You don’t have to navigate the complexities of insurance policies for rideshare companies like Uber and Lyft on your own. Instead, lean on the expertise of a Florida injury professional. Talk to a Boca Raton personal injury lawyer about securing the compensation you deserve.
Periods to Determine a Rideshare Driver’s Status
The first step in identifying the appropriate insurance coverage is to establish the rideshare driver’s status at the time of the accident. Rideshare insurance is typically divided into three distinct periods.
- Period 0. The driver is offline or the rideshare app is turned off. The driver’s personal auto insurance is solely responsible for any accidents or injuries. Most personal policies do not cover commercial activities, which can complicate claims.
- Period 1: The driver is online and waiting for a ride request. During this period, rideshare companies typically provide limited liability coverage. In Florida, this coverage could include $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. That said, this coverage does not include collision or comprehensive coverage for the driver’s vehicle.
- Period 2: The driver has accepted a ride and is en route to pick up a passenger.
- Period 3: One or more passengers are riding in the vehicle until the ride is complete.
During periods 2 and 3, rideshare companies like Uber and Lyft offer more substantial coverage, including $1 million liability coverage, uninsured/underinsured motorist coverage, and contingent comprehensive and collision coverage.
Contact the Rideshare Company to Filing a Claim
As soon as you are able to do so safely, report the accident to the rideshare company. They will provide information on their insurance coverage and the claims process. If the accident occurred during period 0, you would need to file a claim with the driver’s personal insurance, but for accidents occurring during periods 1, 2, or 3, you should be able to file a claim and access financial relief through the rideshare company’s insurance.
To fully understand your rights, gather evidence, and have productive discussions with insurance companies, connect with a Boca Raton personal injury lawyer. Determining liability could be a large part of your claim, and a seasoned attorney has the skills to establish who is at fault. They can do this through analyzing the details of the accident to determine liability and identify the responsible parties.
Should you move to access funds from a rideshare driver’s personal coverage or file a claim with the company they were driving for? After a rideshare accident in Delray Beach, Deerfield Beach, or Pompano Beach, access professional insights when you chat with the attorneys at Leifer & Ramirez. Our lawyers are committed to guiding you through the process and ensuring that you receive the justice and compensation you need. To schedule a confidential consultation, call 561-660-9421.
