How to File Uber and Lyft Claims After an Accident in Georgia

Rideshare services like Uber and Lyft have transformed transportation, making it easier for people to get around. However, accidents involving these companies’ drivers happen. If you find yourself in an Uber or Lyft accident in Georgia, navigating the claims process can be complex, especially with the involvement of multiple insurance providers. This post will guide you through the process of filing a claim with Uber or Lyft and how to ensure you receive fair compensation for your injuries and damages.

Understanding Uber and Lyft’s Insurance Coverage

Before diving into the claims process, it’s important to understand how Uber and Lyft’s insurance policies work. Both companies provide insurance coverage for their drivers, but the level of coverage depends on the driver’s status at the time of the accident.

1. Driver’s app is off: If the Uber or Lyft driver’s app is off at the time of the accident, the driver’s personal insurance applies, and the rideshare company’s coverage does not come into play.
2. Driver’s app is on, but no passenger is present: When the driver is logged into the app and waiting for a ride request, Uber and Lyft offer contingent liability coverage. This coverage includes:
   • $50,000 in bodily injury per person
   • $100,000 in bodily injury per accident
   • $25,000 for property damage
3. Driver is en route to pick up a passenger or has a passenger in the car: Uber and Lyft provide much higher coverage in these situations. The policy includes:
   • $1 million in third-party liability coverage
   • Uninsured/underinsured motorist coverage (also up to $1 million)
   • Contingent comprehensive and collision coverage (with a deductible)

This structure is crucial because your claim will be processed based on the driver’s status when the accident occurred. If you were a passenger in the vehicle, the highest coverage applies.

Steps to Take After an Uber or Lyft Accident

After being involved in an accident with an Uber or Lyft, taking the right steps will help ensure that your claim is handled properly:

1. Ensure Safety and Call 911
   Your immediate priority is safety. Check yourself and others for injuries, and call 911 to report the accident. When police arrive, they will document the scene and prepare an accident report, which will be vital when filing a claim.
2. Seek Medical Attention
   Even if you feel fine, it’s essential to get checked by a doctor. Some injuries, like whiplash or internal damage, may not be immediately apparent. Keep detailed records of all medical treatments, doctor’s visits, and prescriptions, as these will play a significant role in your claim.
3. Document the Scene
   If possible, take photos and videos of the accident scene, vehicle damage, and your injuries. Get contact information from all drivers, witnesses, and other passengers involved in the accident. Be sure to gather the Uber or Lyft driver’s name, contact details, and insurance information. Also, take screenshots of your rideshare app showing trip details.
4. Notify Uber or Lyft
   Both Uber and Lyft have in-app reporting tools to report accidents. You can use these to notify the company of the incident. Once you do this, Uber or Lyft will contact their insurance company, and you should hear from the insurer regarding next steps.
5. Contact Your Insurance Company
   It’s also important to report the accident to your own insurance company. Even if the Uber or Lyft driver was at fault, your policy may cover some of your expenses in the meantime, especially if you carry uninsured/underinsured motorist coverage.

Filing an Uber or Lyft Claim in Georgia

Filing a claim after an Uber or Lyft accident can be different from a typical car accident claim, as it often involves multiple insurers. Below are the key steps to follow when filing a claim:

1. Identify Which Insurance Policy Applies
   Depending on the driver’s status during the accident, your claim could go through the driver’s personal insurance, Uber or Lyft’s contingent coverage, or the rideshare company’s $1 million policy. If the Uber or Lyft driver was at fault and was transporting a passenger, you should be able to file a claim through their commercial insurance policy. However, if the driver was not logged into the app, you’ll likely need to pursue the driver’s personal insurance.
2. File a Claim with the Insurance Company
   Once you know which insurance policy applies, file a claim as soon as possible. This typically involves:
   • Providing the police report number
   • Submitting evidence of the accident, including photos, witness statements, and medical records
   • Detailing your injuries and property damage

   Be aware that insurance companies will often try to minimize the compensation they pay out. It’s crucial to provide comprehensive documentation and, if possible, seek legal advice to help negotiate with the insurance adjuster.

3. Negotiate a Settlement
   After filing a claim, the insurance company may offer a settlement. Be cautious when accepting an initial offer, as it may not fully cover all your expenses. Your medical bills, lost wages, pain and suffering, and future medical treatments should all be factored into the settlement.
4. File a Lawsuit if Necessary
   If negotiations with the insurance company do not lead to a fair settlement, you may need to file a lawsuit to recover damages. In Georgia, you generally have two years from the date of the accident to file a personal injury claim. Consulting with an experienced attorney can be helpful in these cases.

Why You Should Contact an Attorney

Navigating the claims process after an Uber or Lyft accident can be complicated, especially when dealing with large corporations and their insurers. A personal injury attorney experienced in rideshare accidents can help you:

• Determine which insurance policies apply
• Negotiate with insurance adjusters on your behalf
• Maximize your compensation for medical bills, lost wages, and pain and suffering
• Represent you in court if necessary

Get Legal Help Today

If you or a loved one has been involved in an Uber or Lyft accident in Georgia, don’t go through the process alone. At Kevin Patrick Law, we specialize in helping victims of rideshare accidents recover the compensation they deserve. We’re here to help you every step of the way, ensuring that your rights are protected and that you receive the compensation you need to move forward.