Rideshare Accident Claims Handled by Local Professionals

Hiring an Uber or Lyft to take you to your destination should be stress-free because you are letting a professional do the driving for you. When they get into a crash, though, the opposite is true. Matters only get more frustrating when the rideshare company doesn’t want to pay for your damages because of some wrinkle in their insurance company or a misunderstanding of how the crash happened.

Whether you were in a rideshare vehicle when it crashed or were hit by a rideshare driver, Mama Justice – MW Law Firm can help you pursue compensation. Our law firm treats everyone like family because that’s honestly how we feel. Why would you trust your case to anyone who cares less?

Talk to our Tupelo rideshare accident attorneys by dialing (833) 626-2587 now or filling our our online contact form.

Who is Responsible for Your Damages in a Rideshare Crash?

Someone should pay for your damages after being hurt in an Uber or Lyft accident. But who is liable for them? The question of liability can get complicated in a rideshare accident because there are multiple parties involved with most crashes. You might need to deal with your driver, their auto insurance company, Lyft or Uber, and the insurance companies representing those rideshare companies. Figuring out liability is not something you should worry about by yourself. Let Mama Justice help you from start to finish. We can manage the difficult questions of liability, so you don’t have to.

Uber & Lyft Insurance Coverage

To get the most compensation from your Uber or Lyft accident, you might have to file against the rideshare company’s insurance policy. This option is not available to every passenger or driver, though. Uber and Lyft each divide their coverage amounts into four distinct levels or periods, which will determine how much compensation you can seek from them. The four insurance coverage periods are:

  • Zero (0): There is no coverage provided through Uber or Lyft in Period 0, which is used when the rideshare driver was not using the rideshare app. A crash in Period 0 will involve the driver’s personally purchased auto insurance policy.
  • One (1): Uber and Lyft both provide some coverage when a rideshare driver is using the app but has not accepted a fare, which is described as Period 1. Bodily injury coverage in Period 1 is $50,000 per person and $100,000 per ride, with another $25,000 for property damage. However, insurance coverage is usually provided in Period 1 if the rideshare driver’s insurance does not apply.
  • Two (2): When an Uber or Lyft driver has accepted a fare and is on the way to pick them up, Period 2 insurance coverage begins. If a crash happens in this stage, then Uber or Lyft can provide up to $1 million in liability coverage.
  • Three (3): Once a rideshare driver picks up a passenger and has them in their car, the insurance coverage shifts to Period 3. Up to $1 million in liability coverage is available in Period 3, as well as additional benefits like uninsured/underinsured motorist (UM/UIM) coverage and contingent comprehensive and collision coverage with varying deductibles.

Although these insurance coverage amounts sound great, it is not always simple to actually benefit from them. Auto insurance companies like to find numerous ways to minimize coverage given to eligible parties after a crash, and those working with rideshare companies like Uber and Lyft are no different. You could end up in a legal battle with Uber or Lyft and their insurance provider. This is where our Uber & Lyft accident attorneys come in.

Mama Justice Swings for the Fences

At Mama Justice, our Tupelo rideshare accident lawyers believe that every claim has the chance of being a homerun. Oftentimes, it is just a matter of finding the right representation and correct approach to the casework. Let us see if we can make the most of your Uber or Lyft accident claim filed in Tupelo by calling us today at (833) 626-2587. Initial consultations are free and no-obligation!

After an Accident, Call Your Mama, Then Call Mama Justice!