Rideshare services like Uber and Lyft have become an essential part of how we travel. They're convenient, affordable, and a lifesaver for anyone without access to a car. However, if you're involved in a rideshare accident, the aftermath can be confusing, especially when trying to figure out who is responsible for paying for damages or medical bills.
If you find yourself as a victim in such an accident in Tennessee, understanding liability is a critical step toward protecting your rights and receiving the compensation you deserve.
Who Is Liable in a Rideshare Accident?
Determining liability in a rideshare accident can feel overwhelming due to the number of parties involved. Responsibility often depends on who caused the accident and what the rideshare driver was doing at the time. Here’s a breakdown of potential scenarios.
Scenario 1 Rideshare Driver Is at Fault
If the Uber or Lyft driver caused the accident, liability typically falls under the rideshare company’s insurance coverage. Both companies offer substantial insurance policies when drivers are actively providing rides or waiting for ride requests. However, the extent of coverage varies depending on the driver's status at the time of the accident:
- Driver Waiting for a Ride Request
If the driver is logged into the app but has not accepted a ride request, Uber and Lyft typically provide limited liability coverage. This includes up to $50,000 per injury for each person, $100,000 per accident, and $25,000 for property damage.
- Driver En Route to Pick Up Passengers or During a Ride
Once a driver has accepted a ride request or is transporting passengers, rideshare companies provide up to $1 million in liability coverage.
Scenario 2 Another Driver Is at Fault
If a third-party driver caused the accident, their auto insurance policy would generally be responsible for covering your damages. However, dealing with insurance companies can be challenging, and they may attempt to minimize or deny your claim.
Scenario 3 Uninsured or Underinsured Drivers
If the at-fault driver is uninsured or lacks sufficient coverage, rideshare companies typically offer uninsured/underinsured motorist (UM/UIM) coverage to protect victims.
What Compensation Can You Seek After a Rideshare Accident?
If you’ve been injured in a rideshare accident, whether as a passenger, pedestrian, or another driver, you may be entitled to compensation for damages, including:
- Medical Expenses
Coverage for hospital stays, surgeries, physical therapy, and other necessary treatments.
- Lost Wages
Reimbursement for income lost due to your recovery period.
- Pain and Suffering
Compensation for emotional distress, reduced quality of life, or ongoing physical discomfort.
- Property Damage
Reimbursement for vehicle repairs or other damaged property.
Steps to Take After a Rideshare Accident
If you're involved in a rideshare accident, taking the right steps can strengthen your case and help secure the compensation you’re entitled to.
- Prioritize Your Safety
Ensure you and everyone else involved are safe. Call 911 and seek medical attention immediately, even if you feel fine. Some injuries may not be immediately apparent.
- Document Everything
Gather as much information as possible. Take pictures of the accident scene, vehicle damage, license plates, and any visible injuries. Make sure to note the driver's details, rideshare company, and app activity (e.g., if the ride was in progress).
- File a Police Report
Always file a police report, as it serves as an essential piece of evidence in establishing liability.
- Notify the Rideshare Company
Use the app to report the accident to Uber or Lyft. Both companies have procedures in place to handle accident claims.
- Consult an Experienced Attorney
Navigating the complexities of rideshare accident liability can be challenging. An experienced personal injury attorney familiar with Tennessee laws can guide you through the process, negotiate with insurance companies, and advocate for fair compensation.
Why You Need Legal Support
Rideshare companies and their insurers have extensive resources to protect their bottom line. Attempting to handle these claims on your own may leave you at a disadvantage. Having an attorney on your side ensures that your rights are protected and that you’re not pressured into accepting a low settlement.
Remember, time is of the essence when dealing with personal injury claims. Tennessee imposes a statute of limitations for filing, so act promptly to preserve your case.
Take the Next Step
If you’ve been involved in a rideshare accident in Tennessee, you don’t have to go it alone. At Witherington Injury Law, we help victims navigate the liabilities and Nashville-specific laws of rideshare accidents. We also help secure the compensation you deserve. We’ll help you understand your rights, explore your options, and pursue the justice you need to move forward.
Contact us today at (615) 697-6503 for a free consultation.