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What to Do When Your Rideshare Vehicle is Damaged by a Hit-and-Run?

If your Uber/Lyft vehicle gets into an accident due to another driver’s fault, immediately report it to the police and the rideshare company. Ensure you provide as much information as you can recall about the accident, including the time, date, location, and other relevant details.

Moreover, if your vehicle gets damaged by a hit-and-run driver, Uber or Lyft may provide you with a replacement vehicle and take care of the repair costs based on the severity of the damage. You can also recover compensation for your losses from the at-fault driver’s insurance.

But, seeking compensation by filing insurance claims against the rideshare companies can be difficult. You might also have to deal with the af-fault driver’s personal insurance.

That’s where Uptown Injury Law, PLLC rideshare lawyer can help you. Our seasoned team of personal injury attorneys is here to guide you through the rideshare accident claims and recover compensation for your losses. Book a free appointment by calling us toll-free number at 917-540-8728.

What to Do After a Rideshare Accident?

Uber/Lyft accidents can be a distressing experience. But knowing what to do can speed up your complete recovery. Here’s what to do after a rideshare accident:

Step 1: Prioritize Safety

Your immediate focus should be safety if you’re involved in a rideshare accident. Check for injuries, administer first aid, and move to a secure location while activating hazard lights.

Step 2: File a Police Report

In an auto accident, it is essential to report the incident to the local authority and file a police report. In New York City, the law mandates reporting any accident that causes property damages exceeding $1,000 within ten days 

Step 3: Gather Essential Information

It’s essential to remain calm and composed when collecting crucial details such as the date, time, location, and weather conditions. Avoid admitting fault or blaming anyone else for the accident. Also, exchange information with other parties, including:

  • Names
  • Contacts
  • Insurance information
  • Witnesses contact information

Step 4: Document the Scene

Take comprehensive photos of the accident site, damages, and relevant road signs. This can be substantial evidence if you need to make an insurance claim or take legal action. Try to capture images from multiple angles and distances, and take notes on any relevant details, such as the position of the vehicles and any skid marks on the road.

Step 5: Seek Medical Attention

Even if injuries are not severe, prioritize medical treatment to ensure there are no underlying health issues. Some injuries, such as whiplash, do not show symptoms immediately, so it’s best to get checked out by a medical professional. Be sure to keep all medical records and receipts for potential insurance claims.

Step 6: Notify Your Insurance Provider

Inform your personal auto insurance provider about the accident as soon as possible to start the claims process. Be honest and provide accurate details about the crash. Your insurance provider will likely ask for information such as the police report and medical records, so keep those documents handy.

Step 7: Preserve Evidence

Keep all records, receipts, and communications related to the accident for potential legal proceedings. This includes correspondence with insurance companies, medical bills, and repair estimates. If you decide to take legal action, this information can help support your case.

Step 8: Contact A Rideshare Accident Lawyer

Consult a personal injury lawyer to check your legal options and file a rideshare accident claim. A lawyer can help you navigate the legal intricacies and negotiate with insurance companies on your behalf. They can also help you determine if you can secure compensation for medical bills, lost wages, and pain and suffering.

Should You Notify the Rideshare Company About the Accident?

Yes, it is essential to report any accident involving a rideshare company immediately. If you’re using Uber, remember that they have a claim filing deadline of 30 days for a motor vehicle accident.

In addition, you should avoid discussing the accident with the at fault driver, their attorney, insurance company, or any rideshare company’s representative. This is because the other side can use these accident details against you. They may twist your words or even take statements out of context to imply that you admitted fault. This could increase the chances of insurance claim denial by the insurance company.

How Do You Report the Accident to the Rideshare Company?

Reporting an accident to a rideshare company like Uber or Lyft is straightforward. You can report it through the rideshare app on your smartphone. Begin by accessing the “Help” or “Support” section within the app, typically represented by a menu or profile icon. Look for the specific option dedicated to reporting an accident, often labeled as “Report an Accident” or something similar.

Once you’ve selected this option, provide essential details about the accident, including the location, date, time, and how the accident occurred.

Furthermore, Uber and Lyft apps also allow users to upload photos related to the accident. This offers additional context to your report. After filling in the required information and, if applicable, attaching any relevant photos, submit the accident report through the app.

Following submission, the rideshare company will usually acknowledge receipt of your report and may provide further instructions or assistance.

How Does Uber Insurance Coverage Protect You?

Uber provides insurance coverage that protects riders and drivers in case of an accident. The insurance policies vary depending on the driver’s status and the stage of the ride, but they generally cover liability, collision, and personal injury.

Insurance Coverage for Rideshare Passengers and Other Accident Victims

Uber’s liability insurance policy covers your damages if you are a passenger in a crashed Uber or other vehicle. The policy offers a maximum coverage of $50,000 per victim and $100,000 per accident for bodily injury under third-party liability. It also includes property damage coverage up to $25,000. This policy covers you in case of any accident caused by the driver’s negligence. 

Additionally, Uber offers uninsured/underinsured motorist coverage to protect you. This coverage becomes effective if the other driver involved in the accident is uninsured. It also applies if their insurance is not enough to cover the damages. Uber’s insurance is available to you if you fall under any of the following categories of accident victims:

  • A passenger in a rideshare vehicle when the accident occurred due to the driver’s negligence.
  • Driving a vehicle struck by a rideshare driver.
  • A passenger in the vehicle whom a rideshare driver struck.
  • A pedestrian, bicyclist, scooter rider, or motorcyclist involved in a collision with a rideshare driver.

Insurance Coverage for Rideshare Drivers

For drivers, Uber provides liability coverage, collision coverage, comprehensive coverage, and uninsured and underinsured motorist (UIM) coverage. The amount of coverage depends on whether the driver has a passenger in the car or is waiting for a ride request.

When a driver is awaiting a ride request, Uber provides liability coverage. The coverage includes:

  • Up to $50,000 per person
  • $100,000 per accident
  • Up to $25,000 in property damage
  • UIM coverage

If the driver is at fault, the liability coverage provided by Uber covers any injuries up to the policy limits. If another driver is at fault and does not have enough insurance, the driver’s UIM coverage will cover the remaining costs.

What Are the Rideshare Insurance Requirements in New York?

As a rideshare driver in New York, the law mandates you to obtain commercial auto insurance coverage. This coverage is in addition to the personal auto insurance policy that you must also have.

The coverage requirements for rideshare drivers in New York include:

Primary Automobile Liability Insurance

As a rideshare driver in New York, you must carry primary automobile liability insurance. This coverage is required to protect you and your passengers in case of an accident. The minimum coverage requirements in New York are:

  • $10,000 property damage per accident.
  • $25,000 to $50,000 for bodily injuries or wrongful death.
  • $50,000 to $100,000 for bodily injuries involving two or more people.

Uninsured/Underinsured Motorist Coverage

You are also required to carry underinsured/uninsured motorist coverage. This coverage will protect you and your passengers if the at-fault driver does not have enough insurance to cover the losses. The minimum coverage required in New York is:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

Personal Injury Protection (PIP)

Rideshare drivers in New York must also carry personal injury protection (PIP) coverage. This coverage will pay for medical expenses, pain and suffering, lost wages, and related expenses in case of an accident. The minimum coverage required in New York is $50,000 per person.

Who Pays for the Uber/Lyft Vehicle Damages in Hit and Run Accident?

If you are an Uber driver and are at fault, the company’s insurance policy should cover the damages. Conversely, if the other driver is at fault, their insurance policy should cover the damages.

However, things can get more complicated as most personal auto insurance policies do not cover cars being used for commercial purposes. Unless you have purchased a commercial policy or have a rideshare endorsement, your personal insurance policy will not cover a rideshare accident.

On the other hand, if you were a passenger in the Uber at the time of the accident, you will be covered by Uber’s insurance, regardless of who is at fault. It’s essential to remember that laws and regulations regarding car accidents and insurance can vary by state and country, so it’s always best to consult with a seasoned Uber accident lawyer for specific advice on your situation.

Filing a Property Damage Claim

Seeking property damages following an accident differs from pursuing a personal injury lawsuit, as in New York, injury claims are limited by no-fault auto insurance. Fortunately, these limits do not apply to property damages. So, when a driver causes property damage to another vehicle, they are legally liable and can be claimed within three years of the accident.

There are a few things to keep in mind while filing a property damage claim, such as:

1. Contact Uber or Lyft: Contact your Uber or Lyft company as soon as possible to report the accident. Provide them with all the necessary information, including the date and time of the accident, the location, and other relevant details.

2. Get an Estimate: Uber or Lyft will likely require you to get an estimate for the repairs. Take your vehicle to a trusted mechanic or body shop for an estimate.

3. Follow Up with Your Rideshare Company: Stay in touch with your rideshare company’s insurance agents throughout the claims process. Provide them with any additional information they may need and follow their instructions.

Filing a property damage claim for a rideshare accident can be overwhelming when recovering from injuries. So, it’s essential to consult a rideshare accident lawyer who can help file and fight claims on your behalf or take your case to court if necessary.

Who Will Compensate My Damages in a Rideshare Accident? 

If the rideshare driver is responsible, you can seek compensation through their insurance, which is required to cover significant damages. For instance, Uber offers liability coverage of up to $1 million for accidents when the driver is actively using their app.

The compensation process becomes complex in a multi-driver rideshare accident, where the fault may be divided among multiple parties. Each driver’s level of responsibility affects their liability for damages. To pursue compensation in such a claim, you must understand the insurance policies of all the drivers involved.

What Damages Can I Seek in an Uber Accident? 

There are various damages that you can seek in Uber accident cases, including medical bills, lost wages, property damage, and pain and suffering.

Medical Bills: You can pursue compensation for any medical expenses you paid due to the accident, including hospital bills, surgeries, x-rays, therapy sessions, medications, and transport. This includes the immediate medical bills you incurred after the accident and any future medical expenses you may have to pay for ongoing treatment or rehabilitation.

Lost Wages: If your injuries have disrupted your work, it’s essential to consider all the income you would have earned had you been able to continue working. Additionally, you should also take into account the possibility of future lost income if your injuries prevent you from working in the future.

Property Damage: If the crash damaged your vehicle or property, you can claim compensation to cover the repair or replacement expenses. This includes the cost of any repairs or replacement parts and any rental car expenses you may have incurred while your vehicle was being repaired.

Pain and Suffering: You may be able to claim compensation for any physical pain, emotional suffering, or mental anguish you experience as a result of the accident. This includes any ongoing pain or discomfort caused by your injuries, as well as any emotional trauma or psychological distress you experience as a result of the accident.

Understanding Rideshare Accidents Ratio 

Despite the safety measures and background checks implemented by rideshare companies, accidents still happen. A study by the Stigler Center, University of Chicago, revealed that the number of car occupants and pedestrians killed in accidents increased by 2% to 3% between 2011 and 2016 after the arrival of ridesharing services.

Additionally, the Uber Safety Report states that the motor vehicle fatality rate associated with the Uber platform from 2019 to 2020 was about half the national average. Among these, half of the fatalities connected to the rideshare service involved at least one risky driving behavior, such as alcohol impairment, speeding, or wrong-way driving. 

What Are the Types of Rideshare Accidents?

Rideshare accidents can occur for various reasons, including driver’s negligence, road conditions, or health issues. Here are some common types of rideshare accidents:

Rear-end collisions: This occurs when a rideshare car is hit from behind by another vehicle. This type of accident is common and can be caused by the driver’s inattention, sudden stops, or tailgating.

T-bone or side-impact collisions: This happens when a vehicle hits the side of a rideshare car. This type of accident can be hazardous as it can inflict severe injuries to the passengers, particularly if the car is hit on the side where they are sitting.

Head-on collisions: This occurs when two vehicles collide head-on and can lead to severe injuries or fatalities. Head-on collisions are more likely to happen on narrow roads or when one of the drivers is driving in the wrong lane.

Pedestrian accidents: These happen when a rideshare car hits a pedestrian and can be caused by distracted driving or reckless driving. Pedestrian accidents can be fatal as pedestrians have no protection against the impact.

Rollover accidents: This occurs when a rideshare car flips over due to high speed or other factors. Rollover accidents can be very traumatic and can cause severe injuries to the passengers.

rideshare driver's negligence, rideshare accident case

Contact Uptown Injury Law New York Uber or Lyft Accident Lawyer

Our Uber accident lawyers at Uptown Injury Law, PLLC, understand your struggles after a rideshare accident. We have over 15 years of experience and a track record of claiming over $100 million in verdicts and settlements. 

Our expertise can help you win claims and get maximum settlement amounts for your complex cases. Whether you’re a rideshare driver or passenger, we’re here to guide you through the claims process every step of the way.

Schedule your free consultation today by calling 917-540-8728 or fill out the instant form to get to check your eligibility to file a claim.

FAQs

What Should You Do if Involved in an Uber Motor Vehicle Accident?

If you’re in an Uber motor vehicle accident, prioritize your well-being and the safety of others involved. First, check for injuries and administer first aid if necessary. Then, call the police to report the incident and exchange insurance information with the other driver. Make sure to document the accident scene as well. Once you have done that, seek medical attention and contact your insurance company to initiate the car accident claim.

What Should You Do if You’re a Passenger in a Rideshare Accident?

If you are a rider/passenger in a rideshare accident and have sustained physical injuries, seek medical care immediately and report the accident to law enforcement. Moreover, you can file a claim on Uber or Lyft rideshare service. They have insurance coverage options for passengers in case an accident occurs.

How Can You Submit an Insurance Claim After a Car Accident?

Contact your insurance company immediately to file an insurance claim after a car accident. Provide them with all necessary information, such as the accident’s date, time, and location, the other driver’s insurance information, and any photos or documentation of the accident scene. Your insurance representative will assist you throughout the claims process and offer a settlement for any damages or losses incurred.

Does Bodily Injury Coverage Come With Car Insurance Policies?

Yes, car insurance policies usually provide bodily injury coverage. This coverage can assist in paying medical bills and other damages in case of an accident caused by you or someone else.

What Does Uber or Lyft Insurance Coverage Include?

Uber or Lyft insurance coverage typically includes liability insurance, collision coverage, and uninsured/underinsured motorist coverage. The coverage amount and details may vary depending on the driver’s app status during the ride.

How Can You Determine Liability in a Car Accident Case?

To prove liability in a car accident case, you must provide evidence that the other driver was at fault. This may include police reports, witness statements, and other documentation of the accident site. A lawyer specializing in car accident cases can help you gather and present evidence to prove liability.

Why Is It Important to Exchange Insurance Information After a Car Accident?

It is essential to exchange insurance information after a car accident to file insurance claims and receive compensation for damages and losses. Without insurance information, it may be challenging to determine who is responsible for covering your expenses.

What Happens if a Car Accident Results in Wrongful Death?

In case of a car accident resulting in wrongful death, the surviving family members can make a wrongful death claim to compensate for the losses. An attorney specializing in wrongful death claims can help the family navigate the legal process and seek fair compensation.

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Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers
WRITTEN AND REVIEWED BY
Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers

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