What if the Rideshare Driver’s Insurance doesn’t Cover My Expenses?

With the popularity of common rideshare applications like Uber and Lyft, it’s not surprising how often they are utilized. For many, taking a rideshare makes the most sense. But with the increase in usage comes an increase in the chance of accidents. 

What happens if you are involved in an accident? Does your favorite rideshare company have insurance? If you are wondering how the process of filing a claim after a rideshare accident works, then speaking with a California rideshare accident lawyer from Triumph Law as soon as possible will be in your best interest.

Insurance Coverage for Rideshare Accidents In California

Insurance coverage is a huge question in the rideshare industry. Are drivers covered? Are passengers covered? Generally, there are two types of insurance coverage that passengers will be under if their rideshare gets into an accident. 

Primary Coverage or Contingent Coverage

Rideshare services, such as Uber and Lyft, offer drivers primary insurance coverage when their application is turned on, when they are on their way to pick up a passenger, and when they already have a passenger. Those in the car will likely be covered under primary coverage from the driver’s insurance and, if needed, from the rideshare’s coverage as well. 

Uninsured or Underinsured Coverage

If a passenger is in the car of a rideshare and the other driver is at fault for an accident, then the other driver’s insurance will cover injuries and compensate you as the passenger. If they don’t have sufficient coverage for all injuries and damages, then the rideshare company will utilize their $1 million dollar rideshare insurance policy to fill the gap.

Ultimately, no matter your damages, rideshare services cover all gaps that a driver’s insurance cannot pay for. If your losses are high, then speaking with a California Rideshare accident attorney from Triumph Law will best help you get full compensation from an accident of this sort. 

With over 20 years of experience in car accidents, personal injury cases, and rideshare accidents, our team of reputable attorneys knows the ins and outs of the claims process following a rideshare accident. 

What to Do Following a Rideshare Accident

Immediately following a rideshare accident, you will need to call 911 and seek medical services. Ensure that the police officers are making an official report because it will be needed to file a claim in the case of legal proceedings. While still at the accident scene, it’s important to document everything, from pictures and videos of the accident to witness statements and contact information.

It’s important to seek the services of a Rideshare accident lawyer in California. At Triumph Law, our experienced California rideshare accident lawyers can assess your case and make a thorough assessment of all losses you have sustained. We can identify liability and submit the proper insurance claims so that you are covered by the drivers’ or rideshare companies’ insurance, no matter what. 

How Triumph Law Can Help Your Rideshare Accident Claim

When looking for the perfect Rideshare accident attorneys in California, look no further than Triumph Law. We are the team that can defend you following your accident. Here’s how we can help:

• We know the ins and outs of the rideshare business and understand what companies can be held liable if their drivers get into an accident
• We will utilize all resources your claim needs and take the proper amount of time to ensure your claim can be successful
• We are aggressive in determining what insurance policy covers what and can collect all the necessary information to ensure you are covered under the proper insurance 

Determining Liability in Your Rideshare Accident

Determining liability or fault in any type of vehicle accident is the most important thing. The person who is responsible for the accident will likely pay the damages and losses to all other parties. However, in California, a pure comparative negligence rule is followed.

Pure comparative negligence means that each party can claim damages even if one party is 99% liable for the claims. However, the damages are limited by their amount of fault. For example, if there is a rideshare accident, and the rideshare driver is 80% at fault, and another car is 20% at fault, the rideshare driver will only need to cover 80% of the damages for their portion of the fault. 

The Damages You Can Collect in a Rideshare Accident

The damages you can collect in a basic vehicle accident are very straightforward. But in a rideshare accident, it’s important to have the help of an experienced rideshare accident lawyer. Together, damages can be calculated, and insurance policies can be reviewed so that the victim gets the full amount of compensation they are owed.

Here are some of the specific losses you and your lawyer can possibly recover following a rideshare accident:

• Property damages 
• Medical bills
• Rehabilitation programs or ongoing therapy
• Loss of quality of life
• Mental anguish
• Lost wages 
• Reduced earning capacity 

These damages listed above fall into two main categories: economic damages and noneconomic damages. However, the amount of these damages you can collect will solely depend on the specifics of your claim. You and your lawyer will need to speak with insurance companies to see what policies cover what. 

Additionally, all evidence of these losses will need to be presented and brought forward to either the driver’s insurance company or the rideshare company. 

Stand Up for Yourself After a Rideshare Accident, with Our Help

Rideshare accidents in California can be incredibly confusing and tricky to navigate. After an accident, dealing with a legal claim while focusing on recovery isn’t easy. That’s where our professional and reputable team from Triumph Law comes in. 

By giving us a call, you can schedule your free consultation. Here, we can speak more about your claim and determine the best course of action to take to win compensation for your losses. We can assist and support you throughout the entire legal procedure and ensure that your claim is as strong as possible.