UBER AND LYFT: MOTOR VEHICLE ACCIDENTS: What rideshare drivers need to know

Accidents that involve rideshare vehicles can create as much confusion over financial responsibility as they do physical and mental damage. That’s even more true if you’re a driver for Uber, Lyft or other partners in the rideshare economy.

Personal injury and wrongful death claims cost ridesharing services $13.24 billion each year, making it no surprise that Uber, Lyft and other companies that contract with rideshare drivers carry $1 million in liability insurance.

However, ridesharing services do not pay for their drivers’ injuries. Their liability insurance covers passengers injured during travel in an Uber or Lyft vehicle. But because rideshare drivers aren’t company employees – they are generally independent contractors – the companies don’t claim legal responsibility for them.

If you’re a rideshare driver, you want to make sure you are appropriately covered. Smart rideshare drivers carry one of the National Association of Insurance Commissions’ recommended commercial car insurance policies. It’s important that drivers carry a type of insurance that’s designed for people who put high mileage on their cars each year, like sales reps, delivery drivers and insurance agents. Some insurance companies offer rideshare drivers a ride-hailing insurance endorsement, which fills gaps between the rideshare company’s liability insurance and a driver’s personal car insurance.

If you are involved in an accident, first make sure you check the status of your passenger, calling 911 if they need assistance. Then you should call the police to document the accident and have a report for any claim you make on insurance. Louisiana requires crash reports for any accidents involving injuries, death or damages in excess of $100.

Charbonnet Law Firm’s attorneys bring almost a century of combined legal experience and expertise in personal injury cases to help clients navigate the process of physical and financial recovery from accidents involving rideshare vehicles.