Navigating a claim after an Uber or Lyft crash can be complex, especially when dealing with third-party insurers and corporate policies. Understanding the critical steps and having legal guidance ensures you’re equipped to protect your rights, overcome common challenges, and secure the compensation you not only deserve but are entitled to by law. We’ll tackle all this in this chapter.
Critical Information When Filing A Claim
Filing a claim with a ridesharing company like Uber or Lyft requires specific steps and information since they use third-party insurers to handle claims. Here are some key things you’ll need if you do:
- Ride Details: Provide the date, time, and location of the ride, along with any trip identification information.
- Incident Details: Describe what happened during the incident, including any injuries or damages sustained.
- Driver And Passenger Information: Include the names and contact details of all parties involved in the ride.
- Rideshare App Confirmation: Ensure the rideshare app was active during the incident, as coverage depends on this status.
- Communication With The Company: Report the incident through Uber or Lyft’s technical support or claims team, who will confirm app activity and then initiate the claims process with their insurance provider.
Once this is done, the rideshare company’s claims team will reach out to their insurance carrier, who will handle the claim directly with all parties.
Contacting Your Insurance Company Before Filing A Claim
Insurance companies, whether your own or one connected to Uber, Lyft, or the other driver, are, first and foremost, businesses. Their priority is not paying you what you’re owed—it’s protecting their bottom line. That’s why it’s essential to consult with an experienced attorney before talking to any representative from an insurance company.
When you engage with an insurance company, even your own, anything you say could potentially be used to minimize or deny your claim. An attorney can guide you through this process, helping you avoid common mistakes while ensuring your rights are protected. They’ll help you understand the best approach and handle communication with these massive corporations, so you’re not at a disadvantage.
Taking this step early on gives you the strongest position to secure fair compensation and avoid unnecessary complications. It’s not about outright avoiding responsibility. Think of it more as making sure you aren’t taken advantage of by companies that deal with claims like yours every day.
Shawn Gozarkhah of The Law Man Group, APC in California, has extensive experience guiding clients through the process of filing claims with rideshare companies like Uber and Lyft. He’s successfully helped individuals overcome coverage disputes and claim denials and knows how to navigate the tactics of insurance carriers and secure fair compensation.
If your rideshare claim has been denied or you’re unsure how to proceed, reach out to Shawn today to protect your rights and build a strong case.
Common Reasons Claims Are Denied
Claims are often denied for two primary reasons: coverage issues and liability disputes.
Coverage problems frequently arise when a policy has lapsed. This can happen if someone misses a payment, often under the mistaken belief that their insurance is on autopay. Unfortunately, insurance companies do not offer retroactive coverage, even if the payment is made after the fact. Once a policy is canceled due to nonpayment, it cannot be reinstated to cover an incident that occurred during the lapse. This rule applies to both your own insurance and the other driver’s. Without active coverage, claims are automatically denied.
Liability denial is another common issue. If there isn’t enough clear evidence to prove fault, or if the available evidence suggests that the other driver wasn’t responsible, insurers are unlikely to pay. Even when coverage is active, they will resist making payments if the fault is disputed. Strong, compelling evidence is essential to counter liability denials and secure a favorable outcome.
Being Denied By A Rideshare Company
If your rideshare claim gets denied, the first step is to consult an experienced personal injury attorney as soon as possible. Ideally, you’ll already have legal representation before a denial occurs, but if not, an attorney can still step in to evaluate the situation and help turn things around. They’ll thoroughly review the denial, assess the evidence, and identify any errors or oversights in the decision-making process. A skilled attorney can also engage directly with the rideshare company’s insurance carrier, presenting additional evidence or legal arguments that support your case.
Still Have Questions? Ready To Get Started?
For more information on Filing A Claim With Uber Or Lyft, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (818) 699-0492 today.
Shawn Gozarkhah of The Law Man Group, APC in California, has extensive experience guiding clients through the process of filing claims with rideshare companies like Uber and Lyft. He’s successfully helped individuals overcome coverage disputes and claim denials and knows how to navigate the tactics of insurance carriers and secure fair compensation.
If your rideshare claim has been denied or you’re unsure how to proceed, reach out to Shawn today to protect your rights and build a strong case.
