Uber and Lyft have identical insurance policies that apply to Las Vegas drivers and their passengers. As rideshare companies grew in popularity, they first required drivers to have their own insurance that would come into play when accidents occurred. After that, however, public outcry pressured legislators to enact new laws requiring rideshare drivers to have more expansive insurance coverage.
Rideshare companies offer insurance coverage that fluctuates based on the timing of an accident. For example, all rideshare drivers for Uber and Lyft must have their own personal auto insurance, and this is what comes into play if a rideshare driver has an accident while using their vehicle for personal reasons or when they log out of their Driver app. Once a rideshare driver is marked as available for a ride request, the company’s first level of insurance coverage comes into effect. This coverage includes up to $50,000 in bodily injury liability coverage per person injured in an accident up to $100,000, and up to $25,000 in property damage liability coverage.
Once a rideshare driver has picked up a passenger, the highest level of their insurance takes effect and lasts until the rideshare driver drops the passenger off at their destination. This level of coverage is $1 million in compensation that can apply to the rideshare driver, their passenger, or a third party injured in an accident. Determining fault for the accident is still crucial, and the at-fault driver’s own insurance would be exhausted first before the rideshare company’s insurance comes into effect.
Your Las Vegas rideshare accident attorney will be invaluable when it comes to maximizing your insurance claim settlement. Most insurance companies will look for any reasons to justify denying claims or offering the lowest settlements possible. When you have legal counsel helping you with your claim, the insurance company is far less likely to attempt any such bad faith tactics. When you have the attorneys at Easton & Easton representing you, we will guide you through the insurance claim process as efficiently as possible, and we are also prepared to help you navigate any further legal recourse necessary for your recovery.
If you are unable to turn to auto insurance for any reason after a rideshare accident, or if the insurance claim settlement you obtain is not enough to fully compensate your losses, you will likely have grounds to file a personal injury claim against the party responsible for your accident. Under Nevada law, the plaintiff in a personal injury case has the right to seek full repayment of all the economic losses they suffered due to a defendant’s actions, including both immediate and long-term losses that have not yet materialized. So, for example, you can claim compensation for the medical expenses you incur immediately following the accident, but if your injuries require long-term treatment, the defendant is liable for these ongoing medical expenses as well.
You must identify the party who caused your personal injury and prove the full extent of the damages you suffered because of their actions. Under state law, you can claim compensation for economic damages such as property losses, medical expenses, and lost income, but you also can recover pain and suffering compensation. There is no limit on this aspect of your recovery in most personal injury cases, so if you suffered any long-term or permanent harm, it could form the majority of your total case award.
The attorneys at Easton & Easton can help a client file a compelling personal injury claim supported by material evidence, witness testimony, or even signed statements from professionals offering expert witness testimony. So if you are unsure who is to blame for your rideshare accident, or if your damages are extensive and you are uncertain about how to recover the scope of losses you suffered, we can help.
Q: Do I Really Need to Hire a Las Vegas Rideshare Accident Attorney?
A: There is no law requiring you to hire legal counsel to help you recover from any type of vehicle accident. You can file an insurance claim and even a personal injury suit on your own. However, you stand a much better chance of success with your legal endeavors when you have experienced legal counsel advising you. Rideshare accidents tend to generate more complex insurance claim proceedings than other types of accidents, and having an attorney guide you through this process will significantly improve your recovery experience. They can also help you file a personal injury claim if necessary to maximize your compensation.
Q: Can a Passenger Sue a Rideshare Driver for an Accident?
A: Technically, yes, the passenger injured in a rideshare accident would have grounds to sue their driver if the driver caused the accident. However, the rideshare company’s insurance coverage would come into play, negating the need for the passenger to sue their driver. For example, both Uber and Lyft provide up to $1 million in insurance coverage for an accident while a passenger is en route to their destination. In addition, having an experienced Las Vegas rideshare accident attorney assist you with your claim will streamline the insurance claim filing process significantly.
Q: What Happens if I’m Injured by a Rideshare Car Accident While in Another Vehicle?
A: Both Uber and Lyft carry insurance that applies to passengers, drivers, and third parties. In the event you are driving or a passenger in your own vehicle and a rideshare driver causes an accident with your vehicle, you can file a claim against the rideshare company’s insurance policy. If you have any concerns about filing your claim after this type of accident it is best to consult a Las Vegas rideshare accident attorney as soon as possible.
Q: How Much Is My Rideshare Accident Claim Worth in Las Vegas?
A: State law allows the plaintiff in a personal injury case to seek full compensation for all the economic damages they suffered along with pain and suffering compensation. It’s important to remember that you can claim compensation for both immediate and long-term economic losses resulting from the accident, and the state does not place any limits on pain and suffering compensation. Your legal team can assist you in making the strongest case possible for maximizing your recovery.
The attorneys at Easton & Easton have years of personal injury experience in Las Vegas and have helped many clients recover from all types of motor vehicle accidents, including rideshare accidents. We know the challenges you are likely to face throughout your recovery efforts and want to help you approach this process with confidence and peace of mind. If you are ready to explore your options for legal recourse, contact us today to schedule your case review with a trustworthy Las Vegas rideshare accident attorney.