Ridesharing through service providers like Uber and Lyft has revolutionized the way we get around. In situations when you can’t drive or don’t want to, getting to where you need to go is as easy as opening an app and requesting a ride. It’s the modern-day cab hailing!
Unfortunately, as millions of rides are shared each year, the chances of being in an auto accident also exponentially rise. Your Uber may pick you up at the curb, only to drive a few blocks and get rear-ended by an inattentive driver.
Like any other accident, it can result in injury to passengers—including dealing with whiplash. And, if you’re the passenger in a vehicle that’s not your own and you sustain injury, it can be hard to determine what your next steps are.
Is your insurance going to pay for medical bills? Is that the responsibility of the driver’s insurance company? Where does the ridesharing company fit into all of this? These questions are the reason it’s important to hire a personal injury attorney in Minneapolis, MN.
Breaking down the insurance
After a ridesharing accident, there are a lot of questions about insurance that are going to play out. There are four main players:
- Your insurance
- The ridesharing driver’s insurance
- The ridesharing company’s insurance
- The insurance of the other party in the accident
So, let’s say you sustained a broken arm from the accident. Who’s going to pay for your medical bills? When you consider the 4 options above, the answer is far from clear.
A personal injury attorney will be able to help you navigate through the murkiness of the situation, to make sure you’re being fairly and properly compensated for your medical bills and other pain and suffering.
Every ride-sharing driver needs to carry liability insurance in order to be employed by Uber or Lyft. However, when there’s a passenger in the car, Uber and Lyft have overriding policies that amount to $1M in liability insurance. This means you could be entitled to big bucks if your rideshare is in an accident and you’re injured!
In the event the driver of your rideshare isn’t at fault, the onus of a payout falls on the insurance of the other party’s insurance company.
Beware diminished claims
Another reason to hire a personal injury attorney after a ridesharing accident is collusion among the various insurers. Many times, when fault is hard to determine, insurance companies will conspire together to downplay the severity of the accident so that none of them have to pay out substantial amounts. Some of the tactics they’ll use include:
- Pushing for no-fault, which may absolve them from paying out
- Offering a lowball settlement to avoid paying out the full amount
- Using mitigating circumstances to play down the severity of the accident
- Shifting blame to the ridesharing corporation in an effort to not pay out
These tactics and more are not only commonplace, they’re highly effective at reducing the payout amount an insurance company is responsible for!
And, technically, this practice is not illegal, which means many people injured in ridesharing accidents find themselves getting a lowball payout for their suffering and never realizing it.
The role of a personal injury attorney in Minneapolis, MN is invaluable because it ensures you’re not being taken advantage of by insurance companies or corporations who have their own best interests at heart.
What can you seek compensation for?
One of the first questions anyone asks after being in a ridesharing accident is “can I pursue damages for this?” Well, that all depends on what you’re seeking compensation for and who’s at fault.
As the passenger, your claim will almost always be valid, since you’re unable to be at fault. Here are some of the types of damages you can seek after a ridesharing accident:
- Remuneration for medical costs
- Compensation for lost wages
- Compensation for pain and suffering
- Damages for disfigurement or disability
As the driver of a rideshare who is found to be not at fault for the accident, you may also be able to pursue compensation for property damage to your vehicle.
The stipulations for this coverage generally depend on whether or not you’re on your way to pick up a passenger, if a passenger is in the car and what the nature of the accident was.
Hire a personal injury lawyer
Trying to figure out all of the variables that lead to a proper insurance payout can be hard. Instead of going through the variables and trying to make heads or tails of who you should pursue for damages and how to get that compensation, leave this to a personal injury lawyer in Minneapolis, MN. That’s their job!
Not only will a qualified attorney be able to untangle this complicated web of stipulations, they’ll make sure you’re not being cheated by an insurance company that doesn’t want to pay out. It’s the smartest decision you can make after an unfortunate experience in a rideshare.