The rise of Uber and Lyft has been a game-changer for riders and drivers alike. Those unable to drive – physically, legally, or financially – enjoy newfound independence. Others who prefer to avoid the cost or responsibility of driving, whether for a commute or to enjoy an evening out, have alternative options available at their fingertips.
With more Uber and Lyft drivers out on the road daily, however, the number of accidents they cause will also increase. If you or a loved one was hurt in an accident involving Uber or Lyft – whether as a passenger, pedestrian, or driver/passenger in another – an experienced car wreck attorney could help determine whether you are entitled to compensation. Given the unique insurance issues that arise with ride-share accidents, consulting a Midwest City Uber/Lyft accident lawyer as soon as possible could be critical to your ability to recover damages.
Potential Insurance Gap with Midwest City Uber/Lyft Accidents
Typically, an accident involves two vehicles and two insurance companies – but an accident involving a Lyft or Uber driver can complicate matters. Both ride-share companies have insurance covering drivers and passengers, but it applies only during an active ride. In other words, when drivers are not in the app or even driving to pick up a passenger, the companies’ insurance policies do not apply in the case of an accident. In such instances, only the driver’s personal auto insurance applies.
Because Uber and Lyft drivers are considered independent contractors and not employees, the companies may try to deny coverage wherever any gray area exists. Drivers who have not made arrangements with their insurance companies for additional ride-share “gap” coverage may not be adequately insured.
Accident victims could get caught in the middle – with physical injuries, property damage, and no clear path to recovery of insurance proceeds. As such, speaking with a Midwest City Uber/Lyft accident attorney could be crucial to pursuing just compensation.
Recoverable Damages in Midwest City Uber/Lyft Accident Lawsuits
Ride-share accident plaintiffs may be entitled to recover the same compensation that any other accident victims could be awarded. These include:
- Economic compensatory damages, including the cost of vehicle repair or replacement, current and future medical expenses, and current and future wages
- Non-economic compensatory damages, including physical and emotional pain and suffering, loss of consortium, and loss of companionship
- Punitive or exemplary damages, but only in rare cases where the at-fault driver was engaged in reckless or illegal behavior, such as texting while driving or driving while intoxicated
Reach out to Midwest City Uber/Lyft Accident Attorney As Soon As Possible
The ride-share revolution has been swift – but it is still quite new. The laws and regulations are continually evolving, and having someone by your side to help you navigate the legal and insurance complexities unique to ride-share accidents could be important.
In light of Oklahoma’s two-year time limit for initiating civil actions for personal injury and property damage compensation, connecting with a Midwest City Under/Lyft accident lawyer as soon as possible could make all the difference. Reach out today to learn more about pursuing your case.