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What happens if you’re injured in a Lyft or Uber?

Ride-hailing is becoming the most popular way to get around Oakland and the Bay Area in general. It’s faster than public transportation and much cheaper than taxis.

Unfortunately, with the increased number of rides we take from Uber or Lyft, the chances of an accident go up as well. If you’re in an accident while in one of these ride-hailing services, who is responsible for your injuries?

Ride-hailing insurance policies

In California, Lyft and Uber classify the people who drive under their service as independent contractors. This shields them from being liable for the actions of these drivers and makes it very difficult to target these companies directly with injury claims.

Instead, it can be prudent to file a claim with the company’s insurance after an accident. Both Uber and Lyft have commercial liability policies that cover their drivers for damages up to $1 million per accident.

Important factors

There are several qualifications that determine whether your injuries will fall under a ride-hailing company’s accident policy, including:

  • Can they prove you did not have a seatbelt on at the time of the accident?
  • Did the driver have the ride-hailing app open?
  • Were you riding as a customer or just a passenger?

It’s important to establish that you were using the ride-hailing service when your injuries occurred.

The first step

Accidents involving Lyft or Uber drivers can be complicated. They can involve several parties trying to deny responsibility and avoid costly claims.

Determining how to proceed after an injury can be overwhelming. This is especially true if you're still in the process of recovering from your injuries. However, a skilled attorney can help you navigate the best path for your claim and help to get, or keep, your recovery process on track.

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