With Taylor Swift and her Swifties soon taking over Indianapolis for her upcoming concert, the streets will be busier than ever. Whether you’re headed to Lucas Oil Stadium or exploring the city, Uber and Lyft rides are bound to be in high demand. But as you navigate the bustling streets, you might be wondering: are you protected if you’re in an Uber or Lyft accident?
Just like in Taylor’s song “Highway Don’t Care,” the roads won’t show mercy, so understanding your rights and insurance coverage as a passenger is crucial if things go wrong.
Passenger Rights in Uber and Lyft Accidents
As a passenger, you have the right to seek compensation if you’re injured in an Uber or Lyft accident. These rideshare companies provide insurance coverage for passengers, but it’s important to know the specifics of what’s covered. Both Uber and Lyft offer liability insurance policies that cover passengers in case of an accident, but the process can be more complicated than it seems.
Uber and Lyft carry insurance to cover injuries and damages when a rideshare driver is at fault. This coverage applies while the driver is actively engaged in the ride—meaning if you’re injured during your Uber or Lyft trip, this policy will kick in.
However, things get a little more complicated if the rideshare driver wasn’t actively using the app when the accident happened. In these cases, their personal car insurance becomes the primary coverage. If the driver’s personal insurance doesn’t apply or they are uninsured, you may have to turn to your own insurance policy, particularly your uninsured motorist coverage, to recover any damages.
Protect Yourself and Know Your Rights
With Indianapolis getting ready to welcome Taylor Swift and her fans, it’s more important than ever to be aware of your rights and coverage when taking an Uber or Lyft. Whether you’re heading to the concert or just trying to avoid the traffic, staying informed can help you avoid surprises if you’re in an accident.
Contact Hurst Limontes for Help
If you or a loved one have been injured in an Uber or Lyft accident, contact Hurst Limontes to discuss your legal options. We have over 116 years of combined experience fighting for our clients in any number of personal injury claims. We work on a contingency basis, meaning there is no cost to you unless we reach a settlement or jury verdict on your behalf.
Call 317-636-0808 or complete the form below for a FREE and confidential consultation.
