By: Uber Lawyer
Share This Post
Top 3 Uber & Lyft Accident Secrets Exposed
With over 75 million active riders across the globe and over 3 million drivers on their platform, it’s no wonder Uber gets the lion’s share of the booming rideshare industry. They reached a whopping $65 Billion in gross bookings in 2019. That’s 65,000,000,000 – for you visual folks.
While some stats suggest that ridesharing services like Uber and Lyft are safer than driving yourself, accidents happen. If you or a family member has been involved in an accident while riding in a rideshare vehicle or that was caused by a rideshare vehicle, there’s some stuff you should know BEFORE you talk with them or their insurance provider about your accident.
Here are Secrets Uber and Lyft hoped you’d never find out after a ridesharing car accident!
1. You shouldn’t get hung up on who is at fault.
Given their star ratings system, most Uber or Lyft drivers are pretty friendly. It’s common to strike up engaging conversation with ridesharing drivers, and that can make you feel like you’ve got a connection or bond. So it’s no wonder how often we hear…
My Uber / Lyft driver wasn’t at fault in my accident and I don’t want to sue them.
Don’t get hung up on who is at fault. Both Uber and Lyft (and a host of other delivery and rideshare companies) require their drivers to carry vehicle insurance. Of course they do – that’s required by law. But Uber and Lyft both carry supplemental insurance coverage that covers the following in the event of an accident:
- Bodily injuries for the driver
- Vehicle damage for the driver
- Passengers riding in the Uber or Lyft rideshare vehicle
- Bodily injury for those hit by Uber or Lyft rideshare driver
- Vehicle damage of those hit by Uber or Lyft rideshare vehicle
While the insurance providers and policy limits vary from state-to-state, both Uber & Lyft carry safety net insurance policies: uninsured motorist coverage (“UM”) and underinsured motorist coverage (UIM). In most cases, the limit on both of these policies is $1,000,000. But you’d need an attorney to get anywhere close to that amount in a payout or settlement from either Uber or Lyft’s insurance provider. Insurance companies make billions by routinely denying property damage and injury claims.
2. Their olive branch is a smokescreen.
When you’re involved in an accident as a passenger in an Uber or Lyft rideshare vehicle, you will hear from their customer “support” team very soon after the accident. They will message you in-app and they will call you, seemingly out of concern for your safety. They will be extremely nice and generous on the phone. They may even go ahead and commit to covering your medical bills if necessary. Wow, how generous of them, right?This is all smoke and mirrors.
Don’t fall for it.
First of all, any phone call you have with Uber or Lyft representatives is recorded by default. While the laws differ from state-to-state on how and when calls are recorded – one thing is universal: they will use anything you say in this call against you later if you file a claim.
By gaining your trust and sounding concerned, their representatives disarm you. The ultimate goal is to downplay your injury or find a way to put the blame on someone else; the driver themselves, other drivers, roadblocks, acts of God, etc.
You should never realistically expect such large, bureaucratic companies to really have a single consumer’s best interest at heart. They know that the nicer they are to you on the telephone, the less likely you are to ever even consider filing a claim and fighting for your rights. By law, you’re entitled to be paid for:
Past and future medical bills
Loss of enjoyment of life
Pain and suffering
Don’t expect Uber or Lyft – no matter how nice they sound—to realistically have your best interests at heart. After all, they don’t even treat their own driver’s right:
3. Uber and Lyft’s insurance providers are searching hard for any reason to deny your claim.
After and Uber or Lyft car accident, you may have serious injuries. The most common injury resulting from a car accident is soft tissue injury called whiplash, but of course there are countless others. You may be rushed to E.R. or like in most cases, initially think you’re “fine” after the accident.
This is the main reason to avoid talking with Uber or Lyft’s insurance provider, or any insurance provider immediately after an accident. Insurance adjusters are experts at getting you to say just what they need to later deny your claim.
For example, let’s say you’re in an accident and the vehicle you’re riding in or driving is totaled. You might look at the vehicle and wonder how you’re still walking, or just be grateful that you made it out of the accident alive! A customer “support” rep or claims adjuster might ask “…and how are you feeling now?” just a couple of hours after an accident. After seeing a totaled vehicle, twisted metal, but still being in “one piece,” you might say: “I’m doing fine.” Of course “doing fine” is relative. After all – just look at what happened to the vehicle’s, right?
Careful. This is the exact type of statement that has result in countless claim denials. Right after an accident, you’ve got adrenaline rushing through your body and you can literally remain in shock for days after. Some people still feel shaken up weeks after an accident. For some, the tension, anxiety, and general discomfort around driving or riding in a car never goes away. But if an adjuster or support rep can get you to say you’re “fine” following an accident, it might be all they need to deny liability altogether.
As a general rule, your social media profiles should be private. But following an accident, be aware that anything you post (even if you don’t think it’s relevant to a car accident case) can and will be used against you later. For example, you might post and share memes on Twitter often. You might keep up with this in the weeks / days following an accident. Uber and Lyft’s insurance provider might argue: “Well, look at his Twitter feed. He’s posting jokes, sharing memes, and all that stuff. How hurt could he possibly be?”
Some tips on maintaining privacy on social media are:
Don’t ever use your real or full name in a username or handle
For Facebook, try misspelling your name by a couple of letters or using initials.
Facebook also has a privacy setting where you can request not to be shown in search results on the site.
Find an Uber or Lyft Car Accident Attorney Near You
If you’re a passenger in an Uber or Lyft accident but the driver isn’t at fault, don’t worry. When a claim is filed, attorneys go after the at-fault party’s insurance first. It’s common, however, for people to have the state’s minimum required insurance coverage and sometimes, people don’t have insurance at all.
Both Uber and Lyft carry coverage for both of these scenarios. These two types of coverage are called underinsured motorist coverage (“UIM”) and uninsured motorist coverage (“UM”). These plans are provided specifically to cover injured passengers / drivers when inadequate insurance plans or a lack of insurance altogether is involved.
The amount of time you have to file a claim after an injury is called a statute of limitations. Statute lengths vary from state to state. In most states, you have 2 years to file a claim after a car accident injury. While state statutes are revised and subject to change at any time, below are the car accident injury statutes for all 50 states and the District of Columbia at the time this page was written.
|District of Columbia (D.C.)||3 years|
|New Hampshire||3 years|
|New Jersey||2 years|
|New Mexico||3 years|
|New York||3 years|
|North Carolina||3 years|
|North Dakota||6 years|
|Rhode Island||3 years|
|South Carolina||3 years|
|South Dakota||3 years|
|West Virginia||2 years|
Last Updated: February 25, 2020
We are not attorneys. We can refer you to an attorney near you that has handled Uber, Lyft, & Taxi rideshare car accident cases though.
We will only refer you to attorneys that work on a contingency fee basis. That means there is no fee to sign up with them and that they’ll only be paid if they win your case. If they don’t win, you don’t pay anything.
Our referring attorneys offer 2% off their standard fees for referrals that come from us.
We have a nationwide network of thousands of clinics, chiropractors, physical therapists, and pain management doctors that will treat your injuries with no upfront cost to you. Request a call or chat with us live and we will gladly refer you.
If you were at fault in an accident but don’t have insurance to cover treatment for your injuries, let us know. We can find a Charity Care program and/or legal aid clinic near you.