The rise of rideshare services, such as Uber and Lyft, has revolutionized the way we travel and commute. With the convenience of a few taps on our smartphones, we can easily arrange transportation. However, as with any mode of transportation, accidents can still occur. If you find yourself injured in a rideshare accident as a passenger or a third party, it’s crucial to understand your rights and the process of making a third-party liability claim in Michigan. In this blog post, we will explore the key aspects of rideshare accidents and the steps involved in making third-party liability claims.
Rideshare Accidents: Understanding the Scenario
Rideshare accidents can involve various parties, including the rideshare driver, passengers, other motorists, pedestrians, or property owners. Determining liability in these accidents can be complex, as it depends on the specific circumstances of the accident and the parties involved.
Rideshare Driver’s Liability Coverage
In Michigan, rideshare drivers are required to carry their own auto insurance that meets the state’s minimum coverage requirements. Rideshare companies, such as Uber and Lyft, also provide additional liability coverage that kicks in when the driver is actively engaged in a ride (i.e. when they have accepted a ride request and are en route to pick up passengers or have passengers in the vehicle).
This additional coverage typically includes liability insurance for bodily injury and property damage to third parties, up to certain limits. However, it’s essential to note that this coverage may not apply if the driver was not actively engaged in a ride at the time of the accident (i.e., they were waiting for a ride request).
Third-Party Liability Claims
If you were a passenger in a rideshare vehicle at the time of the accident, you would generally file a claim against the rideshare driver’s liability coverage or the rideshare company’s insurance. The process usually involves reporting the accident to the rideshare company, gathering evidence, and filing a claim with the appropriate insurance provider.
For third parties involved in the accident (i.e., other motorists, pedestrians, or property owners), you may file a third-party liability claim against the rideshare driver’s insurance or the rideshare company’s insurance, depending on the driver’s status at the time of the accident.
Dealing with Insurance Adjusters
After filing a third-party liability claim, you can expect to communicate with insurance adjusters from either the rideshare company or the rideshare driver’s insurance provider. These adjusters will investigate the accident, evaluate the extent of the damages and injuries, and negotiate potential settlements.
It’s important to approach these discussions with caution, as insurance adjusters may seek to minimize the company’s liability and offer lower settlements. Consider seeking legal representation to ensure your rights are protected and you receive fair compensation for your losses.
Seeking Legal Advice
Dealing with the aftermath of a rideshare accident can be overwhelming, especially when trying to navigate insurance claims and potential legal proceedings. Consulting an experienced personal injury attorney can be invaluable in such situations. A lawyer can help you understand your rights, handle communication with insurance companies, gather evidence, and build a strong case on your behalf.
While rideshare services offer a convenient means of transportation, accidents can still happen. If you find yourself involved in a rideshare accident as a passenger or a third party, it’s essential to know your rights and the process of making a third-party liability claim in Michigan. Remember to seek medical attention immediately after the accident and report the incident to the appropriate parties. Consider consulting a qualified personal injury attorney to ensure your rights are protected and to navigate the complex process of seeking fair compensation for your losses. By being informed and proactive, you can safeguard your interests and focus on your recovery after a rideshare accident.