Rideshare services like Uber and Lyft have become a convenient and reliable option for many people in Georgia, especially after attending events such as University of Georgia Bulldogs games, Atlanta Falcons matches, or Georgia Tech football games. However, despite their popularity, accidents can happen, and when they do, passengers may be unsure about how insurance works and what steps to take if they are injured.
In Georgia, rideshare accidents can be complicated because of the different insurance policies in place for the rideshare companies, the drivers, and the passengers. Understanding the insurance coverage provided by Uber and Lyft is crucial, especially if you’re injured during the ride.
What Happens in a Rideshare Accident in Georgia 
Accidents can happen at any time, but they often seem to be more prevalent after large events when crowds of people are leaving sports venues and celebrations. In Georgia, where high-profile games and events take place regularly, it’s common for people to use rideshare services to get home safely. However, when an accident happens, it’s important to know exactly what insurance applies and who is responsible for covering damages.
The process of insurance coverage depends largely on the driver’s status when the accident occurs. Uber and Lyft have specific policies for when the driver is logged in to the app and available for passengers, and these policies change based on whether the driver is actively driving a passenger or simply waiting for a request. Let’s break down how the insurance works for passengers in each of these scenarios.
Adam Princenthal
Attorney At Law
David May
Attorney At Law
Matthew Wilson
Attorney At Law
When the Driver is Not Logged Into the App
When a driver is not logged into the app, neither Uber nor Lyft provide insurance coverage. This means that if an accident occurs while the driver is not using the app and is simply driving their personal vehicle, their personal insurance will be responsible for covering any injuries or damages caused. This can lead to complications if the driver’s personal insurance doesn’t cover the accident, as many personal insurance policies do not cover accidents that occur while driving for a rideshare company.
In these situations, the passenger may have to rely on the driver’s personal insurance policy to cover any injuries sustained in the accident. Unfortunately, if the driver’s insurance is not sufficient, the injured passenger may be left to pay for medical expenses and other damages out-of-pocket.
When the Driver is Logged Into the App but Not Accepting a Ride
In this scenario, the driver has logged into the app and is waiting for a ride request but has not yet accepted one. While the driver is available to pick up passengers but has not yet picked up anyone, Uber and Lyft provide limited insurance coverage. This includes liability coverage for injuries or damages caused by the driver, typically starting at $50,000 per person and $100,000 per accident, with up to $25,000 for property damage.
However, this coverage is often limited, and it may only apply if the driver’s personal insurance is insufficient. For passengers, this coverage is often not enough to cover the full extent of their injuries and other damages, especially if the injuries are severe. As a result, passengers may be left to cover a portion of their medical bills unless they have additional coverage through their own insurance policies.
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When the Driver is Actively Transporting a Passenger
When the driver is on their way to pick you up or has you as a passenger in their vehicle, both Uber and Lyft provide full liability insurance coverage. This is the most comprehensive coverage available to passengers. If an accident occurs during this period, Uber and Lyft provide up to $1 million in coverage for injured passengers.
This coverage typically includes medical expenses, property damage, lost wages, and pain and suffering. It’s important to note that this coverage applies regardless of who was at fault in the accident. Whether the driver caused the accident or another party was responsible, Uber and Lyft’s insurance policy is designed to ensure that the passenger is covered for any injuries sustained during the ride.
Steps to Take After a Rideshare Accident
If you are injured in a rideshare accident, there are several steps you should take immediately to protect your rights and ensure that you are compensated for your injuries.
First, your safety should always be the top priority. If possible, move away from traffic and get medical help. Call 911 if you or anyone else involved in the accident needs immediate medical attention. Even if you don’t feel injured, it’s essential to get checked by a medical professional, as some injuries may not be immediately apparent.
Once you have ensured your safety and received medical care, it’s important to report the accident to Uber or Lyft through their respective apps. Both companies have a process for reporting accidents, and they may initiate their own internal investigation into the incident. Reporting the accident as soon as possible can help with your insurance claim later.
You should also gather as much information as possible about the accident. Take photos of the scene, the damages, and any visible injuries. If there are witnesses, get their contact information as well, as their statements may be valuable in proving liability for the accident.
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Contacting an experienced personal injury attorney is crucial. Navigating the complexities of insurance claims, particularly when dealing with multiple parties such as rideshare companies, drivers, and other insurance providers, can be difficult. A knowledgeable attorney can help you understand your rights, file a claim, and ensure you receive the compensation you deserve for your injuries and damages.
Insurance Coverage Beyond Uber and Lyft
In some cases, Uber and Lyft’s insurance policies may not be enough to cover all the costs associated with an accident. If the rideshare company’s insurance coverage is insufficient or the driver’s personal insurance is inadequate, passengers may need to turn to their own insurance policies for additional coverage.
For example, if you have personal car insurance or medical coverage through your health insurance, these policies may help pay for medical expenses or damages not covered by Uber or Lyft’s insurance. Some policies also offer uninsured/underinsured motorist coverage, which can be beneficial if the driver or another party involved in the accident does not have sufficient insurance.
Understanding the Legal Rights of Rideshare Passengers in Georgia
As a passenger in a rideshare vehicle, you have the right to file a claim if you are injured in an accident. Georgia law protects passengers by holding rideshare companies like Uber and Lyft accountable for accidents that occur while a driver is logged into the app and providing services.
If the driver is at fault for the accident, you may be entitled to compensation for medical bills, lost wages, pain and suffering, and other damages. It’s essential to understand that both Uber and Lyft are subject to state regulations, which require them to maintain adequate insurance coverage for passengers. In some cases, if the rideshare company is found to be negligent, it may be held liable for additional damages.
Accidents can happen at any time, and rideshare passengers are not immune to these risks. Understanding how Uber and Lyft insurance works for injured passengers is essential, especially in Georgia where game days often lead to an increased demand for rideshare services. If you are injured in a rideshare crash, it’s important to seek medical attention, report the accident, document the scene, and contact a qualified attorney to help you navigate the claims process. At Princenthal, May & Wilson LLC, our team of experienced personal injury lawyers is here to help you through the legal process and secure the compensation you deserve for your injuries.
If you have been involved in a rideshare accident or need legal assistance with an injury claim, contact Princenthal, May & Wilson LLC today. Our team of experienced attorneys is dedicated to helping injured victims in Georgia get the compensation they deserve. Visit us at https://www.princemay.com/contact/ to schedule a free consultation.