There are about 160,000 Uber drivers and more than 100,000 Lyft drivers in the United States alone. That’s 260,000 or so strangers who may be in charge of your next ride. While traditional cabs were covered by the insurance policy of the cab company, who pays damages if your driver gets into a collision?
Uber acquired a commercial insurance policy a few years after its start. This policy covered up to $1 million in damages per incident when an Uber driver picks someone up and drops them back off. This includes an underinsured/uninsured motorist coverage in case your Uber was hit by another driver without insurance. Lyft has the same kind of policy. After you accept a ride, you’re covered up to $1 million from the time you match with a driver to the time you get dropped off.
If your injuries exceed $1 million, Uber will not cover it. In these cases, you could attempt to sue Uber for the remaining amount, particularly if the driver has insufficient funds to cover the costs of your care. A debilitating injury could cost someone more than $1 million over the course of his or her lifetime. Uber and Lyft insurance wouldn’t be enough.
Auto accidents are no laughing matter. The human body is surprisingly fragile, and any severe trauma to the head or spine could prevent you from working any job for the rest of your life. If you find yourself facing exorbitant medical bills and a long recovery time, make sure you have excellent representation. Our Naples car accident attorney will be your trusted advocate in court.
Call us at (239) 309-7550 or fill out our online form for a free case review. We look forward to speaking with you.