If you’re injured in an Uber or Lyft accident in California, it’s important to make sure to report the accident to the police. Don’t let the driver talk you into letting him leave you at the scene or keep going to your destination. If you’re seriously injured, make sure that the police call an ambulance to take you to the closest emergency room to be checked out. Once you’ve taken care of reporting the accident and your health, you should call an experienced California Uber and Lyft injury attorney.
California’s Rideshare Insurance Scheme Is Complicated
- California requires drivers for “Transportation Network Companies (TNC’s,) such as Uber, Lyft and other rideshare companies, to be covered by “rideshare insurance” whenever the app is on. The coverage has different policy limits depending on the “period” the ride is in.
- The App is Off: This is period 0, the driver’s personal insurance is in effect, and California’s minimum insurance requirements apply. ($15,000 per person, $30,000 per incident for liability, and $5,000 for property damage.)
- The App is On, but not yet paired with a Passenger: This is Period 1, and the minimum policy limits increase substantially. ($50,000 per person, $100,000 per incident for liability, and $30,000 for property damage.)
- Passenger In Vehicle: These are Period 1 and 2, and California requires $1,000,000 in liability coverage, plus $1,000,000 in uninsured and underinsured coverage.
If you’re seriously injured in a California Uber or Lyft accident, you can collect up to $1,000,000 in compensation for pain and suffering, lost present and future earnings, emotional distress, and other causes of action. This is true even if the car that caused the accident is only carrying a minimum policy for liability for $30,000 because of the required underinsurance coverage. If you’ve been involved in an Uber or Lyft accident, you should call an experienced California Uber and Lyft attorney as soon as possible to discuss your claim.