Navigating Commercial Insurance Claims After A Lyft Or Uber Accident

In this article, you can discover…

• What to do if your rideshare driver gets into an accident.
• How to file a claim with a rideshare company after an accident.
• How a practiced attorney can help you when a rideshare platform denies your claim.

What Should I Do Immediately After My Lyft Or Uber Driver Gets Into An Accident?

Take a screenshot of the Lyft or Uber app that has you on route. Be sure to capture exactly where you are on your route at the time of the accident.

After this be sure to document the accident site with photo and video evidence. Take photographs of all damage to involved vehicles, injuries, deployed airbags, and the scene of the accident before a clean up crew arrives to clear it.

Obtain the names, addresses, and phone numbers of all involved parties, including the driver. Be sure to take their personal insurance company’s information, as well.

Finally, seek medical help from your personal physician, at an urgent care clinic, or an emergency room within 24 hours of the accident. This will serve to document your injuries and provide evidence of the effects of the accident.

How Do Commercial Insurance Policies Differ From Personal Ones?

Commercial insurance policies are typically considerably bigger. This can be a bit of a double-edged sword for injured riders. On one hand, they have quite a bit more money to compensate you for your injuries, but they also have more financial power to fight your claim.

To protect a million-dollar policy, they may spend $100,000 on attorney fees. On bigger policies, they’re often willing to spend 40 or 50 thousand dollars to avoid paying you $20,000. This sounds extraordinary, but my law firm has seen this many times.

This is why hiring an attorney familiar with rideshare companies and their policies is wise; without sound legal help, your claim is likely to be fought beyond your ability to counter.

Attorney Shawn Gozarkhah is a dedicated lawyer based in California who’s helped hundreds of clients just like you with their Lyft or Uber personal injury claims. For over 10 years, he’s held rideshare companies accountable and fought to get his clients the damages they deserve.

Have you been involved in an Uber or Lyft accident? Unsure of your legal options? Reach out to The Law Man Group, APC at (818) 699-0492 for an initial consultation today!

The Outcome You Want, Without The Hassle. Speak To A Lawyer Today With No Obligation (818) 699-0492.

How Do I File A Claim With A Rideshare Company After An Accident?

This process is done through the rideshare app. Use the “help” button to report the accident; your report is then assigned to a “first notice of loss” team. This team will confirm with you if the accident happened while you were a passenger during a ride. Next, the claim is created with their insurance company, and they will give you this claim information.

You’ll then convey the insurance company name and commercial policy number to your attorney.

How Might A Commercial Insurance Company Try To Deny My Claim?

A commercial insurance company will try to put partial liability on you. This is especially true if you were involved in an accident as a rideshare driver. They may argue you were 20 or 30 percent at fault for failing to be on the lookout for traffic or driving too fast for conditions.

The percent they argue you to be liable is the percent of your case’s value they’ll seek to deny you. For example, if you, as a driver, have a $100,000 case and are argued to be 20% at fault, the insurance companies will offer you only $80,000.

In other cases, a commercial insurance company may downplay your injuries and seek to deny a portion of your medical bills. They may argue that there’s no way for an injury to have occurred, given the circumstances of the accident.

Finally, a commercial insurance company may seek to bring up prior claims and argue that your current injuries are due to an older incident, not your recent rideshare accident. This is another reason why seeking immediate medical help after an accident is so important; it helps prove that your injuries are not pre-existing and that your case for significant damages is valid.

What Should I Do If The Rideshare Driver’s Insurance Denies My Claim? Can This Be Fought?

If you are filing a claim as a fault-free passenger, you and your attorney can fight the denial through a lawsuit. If you’re contesting a denial as a rideshare driver, this process will have to be settled through arbitration, out of court.

A personal injury lawyer can be of immense help in either case, helping you to preserve evidence and fight deftly for the awards that you deserve.

For more information on Insurance Claims After A Lyft Or Uber Accident, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (818) 699-0492 today.