You may have the right to file a claim against the driver's personal insurance, or against the ridesharing company if you were involved in an Uber or Lyft accident.  Both Lyft and Uber offer liability insurance coverage for bodily injuries up to $1,000,000, but only in certain circumstances.

These are the circumstances.  What are the potential risks associated with ridesharing?

These are the guidelines to help determine liability based on the driver's status at the time of an accident.

1.) The driver wasn't logged in to the app.  The driver may have displayed a sign for ridesharing companies or left after dropping off passengers.  Uber and Lyft require drivers to have personal auto insurance. However, the coverage for liability can vary greatly.  Some drivers have ridesharing insurance, but most policies don't cover accidents that happen in the course commercial activity.  Because insurance companies are often reluctant to pay these claims, it is important to hire an experienced rideshare accident attorney if you're hit by or injured due to a ridesharing driver’s negligence.

2.) The driver was already logged in to the app and waiting for a request.  This scenario could lead to either the driver's insurance or that of the ridesharing company being liable.  The ridesharing company will typically only pay for your losses if the driver does not respond to the claim. However, it is a good idea to consult an experienced ridesharing accident lawyer to avoid any confusion between the two insurance companies.

3.) The driver was transporting or picking up a passenger.  Uber and Lyft should cover the driver's primary liability insurance from the moment they accept a ride until the time the passenger leaves at their destination.  These companies have a reputation for minimizing claims and fighting them. You will need an top rated car accident attorney with experience in rideshare accidents to protect your rights.

A Legal Perspective on Ridesharing Car Accidents in Miami

Lyft or Uber are safe and affordable options for Miami residents.  Unfortunately, there are inherent risks associated with ridesharing and you need to be aware of these aspects from a legal perspective.

You should file a police report if you are injured in an accident involving a Lyft driver or Uber driver. Also, make sure to see a doctor immediately.  Hire a Miami uber accident lawyer that has a track record of representing victims in rideshare accidents such as the Beharry Law Firm.

Beharry Law helps you to understand the complexities of liability and hold the responsible party accountable.  You can rely on them to represent your interests in settlement negotiations or trial, if needed.  They will ensure you get the maximum amount of damages due to medical expenses, income loss, pain and suffering.  Ridesharing cases are handled on a contingency-fee basis. This means that they receive no fees unless you're successful.  For a free consultation, contact them today.