Uber, Lyft and other rideshare companies are on roadways throughout California 24 hours a day. Indeed, they provide valuable transportation services, but if you’re injured in an accident that was caused by a driver for one of these rideshare companies, you’ll want to consult with and retain Maison Law to represent you right away. Here’s why.
How Does Rideshare Insurance Work After an Accident in California?
According to the Wall Street Journal, Uber alone purports to have 200,000 drivers in California. Drivers for Lyft and other rideshare companies might make up another 200,000. All of these drivers use their own personal vehicles to provide customers with transportation services. What comes to issue is their rideshare insurance coverage.
A seriously injured car accident victim might be told that rideshare coverage doesn’t apply to an accident, and he or she must make their claim against the rideshare driver’s personal insurance. That driver’s insurance coverage might be as low as California’s minimum mandatory coverage of $15,000 per person and $30,000 per occurrence. It’s certainly not sufficient for a fractured leg requiring surgery, screws, and a plate.
Common Rideshare Accident Injuries
Although the injured claimant is likely a passenger in a rideshare car, he or she might be the driver or passenger of another car. The claimant could also be a motorcyclist, bicyclist, or pedestrian who doesn’t have a steel shell and frame around them with crumple zones, airbags, and seat belts.
It’s highly likely that the injuries they suffer will be more severe than those suffered by an occupant of another vehicle. Those can include traumatic brain or spinal cord injuries, fractures, herniated or bulging discs internal organ damage, tearing of tendons, ligaments or muscles, or severe lacerations with infections. Any of these injuries can require surgery.
What Damages Can I Claim After a Rideshare Accident in California?
When an accident causes injuries like those described above, the victim is entitled to seek damages to compensate him or her for their damages. California law contemplates a wide range of damages like the following:
- Past and future medical bills as a result of the accident.
- Past and future lost earnings in connection with the accident.
- Any resulting disfigurement or disability.
- Pain and suffering.
- Loss of enjoyment of life.
- Funeral and medical bills and other valuable damages in the event of wrongful death.
California requires every rideshare company in the state to carry $1 million of liability and uninsured motorist insurance coverage, and it’s triggered as soon as a driver who is on call accepts a passenger. It remains in effect until such time as the passenger is picked up and dropped off at their destination.
After the ride ends, $50,000 per person and $100,000 per occurrence coverage remains if the driver stays on call. It’s only when a driver is signed out and off duty that coverage reverts back to his or her personal insurance.
An innocent injured victim can get caught between two different insurance companies pointing their respective fingers at each other with neither of them wanting to compensate that victim for his or her damages. The state legislature put laws in place to control this type of situation.
At Maison Law, we know how to break that deadlock and compel insurers to fulfill their obligations. Whether you were a passenger, a driver or occupant of another vehicle, a motorcyclist, bicyclist, or a pedestrian, contact us at Maison Law after being injured in any rideshare accident anywhere in California. We’ll be pleased to speak with you about your accident and injuries at no cost whatsoever. If we’re retained to represent you, our goal will be to maximize the compensation that you deserve.