Ride-Share Accident Claims: What To Do In a Lyft or Uber Accident

Ride-sharing services like Lyft and Uber have revolutionized transportation, offering convenience and accessibility to millions of users. However, accidents involving Lyft or Uber vehicles can happen, resulting in injuries and legal complications. If you find yourself in a Lyft or Uber car accident in Maryland, it’s essential to understand your rights and take appropriate action to protect yourself and seek compensation for your injuries. In this comprehensive guide, we will provide step-by-step instructions on how to pursue a Lyft or Uber accident claim in Maryland as a driver, passenger, or pedestrian.

Understanding Lyft/Uber Accidents in Maryland

When it comes to Lyft or Uber accidents, Maryland has specific regulations and insurance requirements that govern liability and compensation. Rideshare drivers are considered independent contractors, which means that Lyft or Uber may not be directly liable for their actions. However, Lyft and Uber both provide insurance coverage for accidents involving their drivers, depending on the driver’s status at the time of the accident.

The Different Driver Statuses and Insurance Coverage

The insurance coverage provided by Lyft or Uber is determined by the driver’s status at the time of the accident. Let’s take a closer look at the different driver statuses and the corresponding insurance coverage:

1. Driver App Turned Off: If the Lyft/Uber driver’s app is turned off at the time of the accident, the driver is considered off-duty. In this case, the accident would typically be covered under the driver’s personal auto insurance policy. Lyft or Uber’s insurance coverage would likely not apply in these situations.
2. Driver App Turned On: When the Lyft/Uber driver’s app is turned on, but they have not yet accepted a ride request, they are considered on-duty in a limited sense. Lyft and Uber provide contingent or secondary coverage, which means that the driver’s personal auto insurance policy likely provides primary coverage. The rideshare insurance coverage will only kick in if there is no coverage under the driver’s personal policy.
3. Driver Carrying or Picking Up Passengers: When the Lyft/Uber driver is actively carrying passengers or on their way to pick up a fare, they are fully covered by Lyft/Uber’s liability policy for bodily injury and property damage per accident. This coverage is extensive and provides protection for both the driver and the passengers. It also provides coverage for drivers or passengers in other vehicles that are injured as a result of the negligence of the Uber/Lyft driver.

It’s important to note that neither Lyft nor Uber handle accident claims directly. Instead, an independent adjuster, usually from insurance companies like York Risk Services or James River Insurance, processes the claims on behalf of Lyft and Uber respectively.

Steps to Take After a Lyft/Uber Accident

If you are involved in a Lyft/Uber car accident in Maryland, it’s crucial to take immediate action to protect your rights and ensure you receive proper compensation for your injuries. Here are the steps you should follow:

1. Check for Injuries and Seek Medical Attention

The first and most important step is to check yourself and others involved in the accident for injuries. If anyone is injured, it’s essential to seek prompt medical attention. Even if you don’t feel immediate pain or discomfort, it’s still advisable to get a medical evaluation. Some injuries may not manifest symptoms until later, and seeking medical attention right away helps establish a link between the accident and your injuries.

2. Call the Police and Document the Accident

Contact the police to report the accident. When the police arrive at the scene, they will create an accident report detailing what happened. The accident report is a crucial piece of evidence that can support your claim. Make sure to obtain a copy of the accident report for your records.

While waiting for the police to arrive, gather as much evidence as possible. Take photos and videos of the accident scene, including any damage to the vehicles involved. Get the names and contact information of any witnesses who saw the accident occur. This evidence will be valuable during the claims process.

3. Exchange Information with the Lyft/Uber Driver

Exchange contact and insurance information with the rideshare driver. Make sure to get their full name, phone number, email address, and insurance details. Additionally, note down the driver’s license plate number and the make and model of their vehicle. This information will be necessary when filing a claim.

4. Report the Accident to Lyft/Uber

After the accident, it’s crucial to report the incident to Lyft or Uber through their accident reporting portal on their website. Lyft or Uber may require you to provide details about the accident, including the date, time, location, and a description of what occurred. After filing the report, an insurance adjuster or company representative may contact you for additional information.

5. Avoid Speaking to the Lyft or Uber Insurance Adjuster Without Legal Representation

It’s important to refrain from speaking to the Lyft or Uber insurance adjuster until you have had a chance to consult with an experienced Maryland personal injury attorney. Insurance adjusters may try to minimize your claim or obtain information that could be used against you later. By working with an attorney, you can ensure that your rights are protected, and you have proper legal representation during the claims process.

6. Document Your Injuries and Damages

Keep a detailed record of all accident-related expenses and losses. This includes medical bills, prescription costs, rehabilitation expenses, and any other out-of-pocket costs related to your injuries. Additionally, document any lost wages or diminished earning capacity resulting from the accident. Keeping thorough records will strengthen your claim and help ensure you receive fair compensation for your damages.

7. Consult with a Maryland Lyft or Uber Accident Lawyer

To navigate the complex process of filing a Lyft or Uber accident claim and to maximize your chances of receiving fair compensation, it’s advisable to consult with a skilled Maryland Lyft or Uber accident lawyer. An experienced attorney can evaluate the details of your case, gather evidence, negotiate with the insurance companies, and advocate for your rights. At Dubo Law, we offer free initial consultations, so you can discuss your case without incurring any upfront costs. We additionally have extensive experience handling rideshare claims against both Lyft and Uber.

8. File a Personal Injury Lawsuit if Necessary

In some cases, filing a personal injury lawsuit may be necessary to protect your rights and seek full compensation for your injuries. An experienced rideshare accident lawyer can guide you through the legal process, represent you in court if needed, and fight for your best interests. Keep in mind that Maryland has a statute of limitations for personal injury lawsuits, so it’s important to take action within the specified time frame.

9. Negotiate a Settlement or Pursue Litigation

Once you and your attorney have gathered all the necessary evidence and information, you can enter into negotiations with the insurance company or the responsible party to reach a fair settlement. Your attorney will work to ensure that the settlement offer adequately compensates you for your injuries, pain and suffering, lost wages, and other damages. If a fair settlement cannot be reached, your attorney may recommend pursuing litigation and taking your case to court.

10. Seek Proper Medical Treatment and Follow Your Doctor’s Instructions

Throughout the entire claims process, it’s important to prioritize your physical and mental well-being. Seek proper medical treatment and follow your doctor’s instructions for recovery. Adhering to your treatment plan not only helps you heal but also strengthens your claim by demonstrating that you are taking your injuries seriously and doing everything you can to recover.

Conclusion

Being involved in a Lyft or Uber car accident in Maryland can be a stressful and overwhelming experience. However, by following the steps outlined in this guide and seeking the assistance of an experienced Lyft or Uber accident lawyer, you can protect your rights, navigate the claims process, and seek fair compensation for your injuries and damages. Remember, time is of the essence, so don’t delay in taking action after a rideshare accident.

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