Who Is Liable in a Connecticut Rideshare (Uber) Accident?
Ridesharing has caused a huge upset in the transportation industry, completely changing how people get around. However, with any major change in an industry comes new legal challenges. From the very beginning, rideshare users had questions—who’s responsible for accident damage? Do claims go through the driver’s personal insurance, and what happens if they deny it because the accident occurred during work?
Fortunately, it’s been several years now and these major issues have largely been decided. If you’ve been injured in a ridesharing car accident, we’ll help you figure out how to get the compensation you’re owed. Call The Dodd Law Firm at 203-272-1883 and set up a consultation with our team of experienced attorneys.
The Concept of Liability Does Not Change
First, it’s important to note that the basic concept of liability doesn’t change if one driver is working for a rideshare company. When the police respond to the scene of the accident, they will still look at the damage to both vehicles, listen to both drivers’ sides, look at the physical evidence, and issue citations if necessary. The insurance companies involved will look at the police report and other evidence to figure out whose negligence led to the accident.
It gets tricky, though, when the rideshare driver is the one found liable for the crash. In this case, it’s important to know whom to contact and how to secure fair compensation.
Insurance Coverage Matters
In personal injury claims, damages are rarely paid out by the actual negligent party. Settlements are generally paid out by the negligent party’s insurance company. When the negligent party is a rideshare driver, their personal insurance policy does not generally pay out. Note, though, that Connecticut law does require rideshare drivers to carry their own insurance. The rideshare company’s insurance policy should cover their driver’s damages.
Coverage varies. If the driver was on the app but had not yet accepted a ride request, Uber or Lyft insurance provides up to $50,000 of coverage per person up to a maximum of $100,000. If the driver has accepted a ride and is going to pick up the passenger, the policy pays up to $1,000,000.
This is in place until the passenger has been dropped off. If the rideshare driver was not logged into the app at all, their own insurance policy is used to cover accident-related expenses and settlements.
Getting Compensation After a Rideshare Accident
Don’t expect the Uber or Lyft insurance provider to treat your accident differently just because they are representing a working driver. Insurance companies, regardless of whom they represent, have the same priorities. They want to protect their shareholders and executives from financial losses, protect themselves from lawsuits, and avoid paying more than is necessary for every claim.
This means that you’ll still need to fight aggressively to get the compensation you are owed after a rideshare accident. The insurance company may use different tactics to evade liability, downplay their client’s role in the crash, or try to shift blame to a third party.
How do you get around this, especially if you’re already busy trying to recover from a serious injury? You bring in an experienced rideshare accident attorney who knows what it takes to get an insurance company to pay up. You’ll need to provide substantial evidence to prove your claim, so keep track of medical records, pictures from the crash scene, and the police report from the crash.
You may also want to keep evidence showing that it was rideshare-related. Take screenshots of your Uber or Lyft account, the specific ride you were taking when the accident occurred, and copies of any communication you had with anyone relating to the crash. Provide copies of everything to your attorney and trust them to use it in the most efficient way possible.
Contact The Dodd Law Firm Now to Start Your Rideshare Accident Claim
If you entrusted your safety to an Uber or Lyft driver and were injured in an accident, you may be entitled to compensation for your injuries. We’re here to talk about your accident, help you come up with a plan, and hold the negligent party accountable. Set up a time to talk with us now—just call The Dodd Law Firm at 203-272-1883 or send us a message online.
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