What Happens With Uber and Lyft Accidents Involving Multiple Vehicles?
Accidents involving Uber or Lyft drivers can be complicated enough when only two vehicles are involved. The complexity increases significantly when three or more cars are part of the crash. Multiple insurance companies may become involved, each attempting to limit its liability. If you are injured in a rideshare accident, it is essential to work with an experienced rideshare accident attorney who understands the unique legal and insurance challenges of these cases.
Why There Are Many Potential Legal Outcomes in a Rideshare Accident
Liability in rideshare accidents can vary depending on the circumstances. Common scenarios include:
- An Uber or Lyft passenger was injured and is filing a claim against the rideshare driver.
- The passenger is pursuing compensation from another driver who caused the crash.
- A rideshare driver was injured due to another driver’s negligence.
When multiple vehicles are involved, determining who is at fault can be complicated. Knowing which party is responsible is critical to understanding where to seek compensation.
Could Multiple Insurance Companies Be Involved?
If you are injured in a rideshare accident with multiple vehicles, you may need to deal with several insurance companies:
- Rideshare company insurance: Uber and Lyft provide a per-accident policy for their drivers.
- Driver’s personal or supplemental insurance: If the rideshare driver is at fault, their personal policy may also apply.
- Other drivers’ insurance: If other drivers share responsibility, their insurers may also be involved.
- Underinsured motorist coverage: If total available coverage does not fully compensate for your injuries, you may need to rely on your own policy.
Dealing with even one insurance company can be challenging; coordinating claims across multiple insurers increases the complexity significantly.
What Are the Coverage Limits in a Rideshare Crash?
Uber and Lyft provide $1 million in liability coverage per accident when drivers are logged into the app and transporting passengers. However, if multiple parties are seeking compensation from the same policy, the available coverage may not fully satisfy all claims. This may require injured parties to access underinsured motorist coverage to cover any shortfall.
How Stacked Coverage Can Help in a Mt. Pleasant Rideshare Accident
South Carolina allows for stacked insurance coverage, meaning you may be able to combine multiple policies to cover your damages fully. Stacked coverage can be especially useful in multi-vehicle rideshare accidents where multiple claimants are involved. Navigating these policies and coordinating claims requires the guidance of a knowledgeable rideshare accident attorney.
Mt. Pleasant Car Accident Lawyers at Rogers, Patrick, Westbrook & Brickman LLC Help You Navigate Rideshare Accidents
If you are injured in an accident involving an Uber or Lyft vehicle, the Mt. Pleasant car accident lawyers at Rogers, Patrick, Westbrook & Brickman LLC can advocate for your rights and help you navigate a complex claims process. We investigate the accident, identify all liable parties, and work to maximize your compensation. Schedule a free consultation today by calling 843-727-6500 or filling out our online form. With offices in Charleston, Mt. Pleasant, Aiken, and Columbia, South Carolina, we serve clients throughout the state.
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