If you use ride sharing apps regularly in Atlanta, Georgia, you are protected the moment you get into the vehicle until you are dropped off at your destination. This is important because even though services such as Lyft and Uber have increased in popularity, so have the number of accidents they are involved in. Here is how you are covered by both services in case the rideshare vehicle you are traveling in gets into an accident.
All Uber drivers are given liability insurance and their passengers also have uninsured motor coverage – courtesy of the ridesharing service. If a driver has not accepted a trip request and does not have any passengers, he/she gets liability insurance amounting to $50,000 for bodily injuries per person. This includes $100,000 per occurrence and $25,000 to cover property damage.
If the driver accepts a trip, that is when additional insurance applies. After the trip is accepted, Uber provides the driver more than $100,000 liability insurance and the same amount for uninsured motorist coverage. If the driver is found to be at-fault for an accident, the former insurance will come into play. If someone else caused the accident and does not have insurance, the second one will apply.
Like Uber, Lyft also offers its drivers liability insurance and uninsured motorist coverage for them, as well as their passengers. If the driver is in drive mode, but has not picked up their passenger, the ride sharing service offers contingent liability insurance if the driver’s insurance is not available.
This includes coverage amounting to $50,000 per person and about $100,000 per accident – if the accidents result in injuries. $25,000 is offered for property damage. As soon as a request is accepted, primary liability insurance and uninsured motorist insurance come into play throughout the ride until it ends. This can amount to $1,000,000 per accident.
So if you are injured in a ride sharing service in Atlanta, you should notify your insurance company immediately. If you delay, you may lose out on the compensation you deserve. Can you really afford to pay for surgery and car repairs out-of-pocket? If you have been injured in an accident or want to ensure your injured passengers get the compensation they deserve from the other driver, get in touch with Shani O. Brooks P.C. for a consultation today.