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Rideshare usage is on the rise in most major cities all over the country. With this increase in popularity comes a rise in rideshare accidents. If you were involved in a rideshare accident, whether you were a passenger in a rideshare vehicle or your vehicle was struck by a rideshare driver, you must seek legal representation as soon as possible. A ridesharing accident lawyer at the Hines Law Firm can investigate the accident, gather evidence, and help you recover compensation for your medical bills, lost wages, and other damages.
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What Are the Different Rideshare Driving Phases?
Rideshare driving involves different driving phases, each of which can determine who is held liable for damages, the rideshare driver’s insurance, the rideshare company, or another motorist.
Rideshare driving phases include:
01Offline Phase
During this phase, drivers are not actively engaged in providing rideshare services. They may be running personal errands or waiting for ride requests. If an accident occurs while the driver is in this phase, the claim may be treated similarly to any other personal vehicle accident, with the driver’s personal auto insurance provider being held responsible for covering damages.
02Online Phase
In this phase, drivers are logged into the rideshare app and available to accept ride requests but have not yet accepted a specific passenger request. During this phase, rideshare companies typically provide contingent liability coverage, which may cover damages if the driver’s personal insurance policy does not apply or is insufficient. The coverage limits during this phase are usually lower than when actively transporting passengers.
03En Route to Pick Up a Passenger
Once a driver accepts a ride request and is en route to pick up the passenger, the rideshare company’s insurance coverage typically increases. This coverage extends to include bodily injury and property damage liability, as well as coverage for uninsured and underinsured motorists. The coverage limits are typically higher during this phase compared to the online phase.
04Transporting a Passenger
When a driver has picked up a passenger and is actively transporting them to their destination, the rideshare company’s insurance coverage is usually at its highest level.
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What Is Rideshare Insurance?
A rideshare driver is required by law to have auto insurance coverage. However, this insurance coverage typically doesn’t cover liability for auto accidents that occur when a driver is actively working as a rideshare driver. Because of this, most rideshare companies will provide coverage on behalf of their drivers. However, even this coverage payout depends on the facts of the collision.
For example, when rideshare coverage is effective often depends on when the collision occurs and what phase the driver was in at the time of the accident.
01Period One
If the driver is waiting for a ride request, a rideshare company can provide primary liability insurance which includes:
- $50,000 bodily injury per person
- $25,000 property damage per collision
- $100,000 bodily injury per collision
02Periods Two and Three
If a rideshare driver is on their way to pick up a passenger or is driving a passenger to their destination, a rideshare company will cover up to $1,000,000 in third-party liability
What Types Of Damages Can I Recover After a Rideshare Accident?
If a rideshare driver is on their way to pick up a passenger or is driving a passenger to their destination, a rideshare company will cover up to $1,000,000 in third-party liability.
What Types Of Damages Can I Recover After a Rideshare Accident?
If you were injured in a rideshare accident that was caused by a negligent driver, you may be entitled to the following types of compensation:
- Pain and suffering
- Past and future medical care costs
- Lost wages
- Property damage
- Loss of earning capacity
- Loss of consortium
- Loss of quality of life
- Loss of enjoyment of life
- Emotional distress
- Scarring and disfigurement
- Permanent disability
When you work with an experienced rideshare accident lawyer at the Hines Law Firm, they will review your case and determine which damages you should pursue and the true value of those losses. They will use this information when negotiating with the insurance company to fight for your right to fair compensation.
If you sustained a permanent injury, they will consult with experts, such as life care planners, medical professionals, forensic accountants, and economists, to determine the cost of future lost earnings, medical treatment, and other related losses.
What Are Common Injuries An Accident Victim Can Sustain?
The severity of an accident victim’s injuries can depend on the point of impact and how fast each vehicle was traveling. At the Hines Law Firm, our attorneys have handled many cases that involved the following types of injuries:
- Back injuries
- Neck injuries
- Chest injuries
- Whiplash
- Crush injuries
- Amputation
- Loss of hearing
- Loss of sight
- Facial injuries
- Dental injuries
- Broken bones/bone fractures
- Spinal cord damage
- Traumatic brain injuries
- Concussions
- Leg and arm injuries
- Nerve damage
- Internal organ damage
Seeking medical treatment as soon as possible can give your case the best possible chance of success. If you delay medical treatment, an insurance company will use this against you claiming that your injuries aren’t as severe as you say they are or that you were injured at some point after the accident.
By having a medical evaluation as soon as possible after an accident, you can directly tie your injuries to the collision.
What is the Statute of Limitations in Georgia?
An accident victim will have two years from the date of an accident to file a lawsuit against the negligent party. The failure to file within the statute of limitations can result in a case being dismissed, preventing the accident victim from obtaining any compensation for their accident-related losses.
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If you were injured in an accident that was caused by the negligent actions of another, contact a personal injury lawyer at the Hines Law Firm today to schedule a free consultation. Let our legal team guide you through the complex legal process, every step of the way and recover the compensation you deserve, as soon as possible. Contact us today to learn more.
