There’s no doubting that ridesharing apps have completely revolutionized the way we all get around town in the past few years. The rapid success of Uber and Lyft has made traveling extremely convenient, but it has raised complicated issues as legal experts and government agencies try to regulate the services.

Many riders and drivers have found themselves in this gray zone – what happens if I was injured riding in an Uber? What about if I was hit by an Uber or Lyft? These sorts of questions can add an extra level of anxiety and confusion following a traumatic event like a crash. Here’s what you need to know if you ever find yourself in one of these situations.

If You were Injured Riding in an Uber/Lift Vehicle

Don’t worry, you’re covered in every situation. If you’re Uber was rear-ended by another negligent driver, and you have whiplash, it works exactly the same as if you were in your own car when you were hit. The other driver’s insurance will cover your medical and other eligible costs. Even if the other driver is uninsured, Uber has a $1 million uninsured motorist coverage which will protect you. And if your Uber driver caused the accident and you were injured, they provide drivers with another $1 million liability policy. Lyft works exactly the same way.

If You were Hit by an Uber/Lift Vehicle

The amount of coverage for Uber drivers depends on a couple different things. First, it matters if they had the app pulled up and were looking for riders, or if they were on the way to pick up a rider or had a passenger in the car. If they were waiting to accept passengers on the app when they caused an accident with you, their personal auto policy would be in operation. But if their coverage is sub-standard, Uber provides them with a meager $50,000/individual/accident and $25,000 property damage policy. But, if the driver was on the way to pick up an accepted passenger or transporting a passenger, their $1 million liability policy kicks in. Lyft, again, has identical insurance policies and practices.

Call an Attorney

When you’ve been injured in a ridesharing accident, things can get complicated. The other motorists might not understand how the insurance situation breaks down, and in the confusion of it all, you could agree to things which you shouldn’t. It’s always a good idea to consult an auto accident attorney before taking any steps with insurance companies, and there’s no better in Central Florida than Richard Troutman. Our offices can help you figure out the best legal action in this tricky situation in order to get you the best possible outcome for your injuries. For a free consultation, please call us at 407-647-5002.