Our phones are our lifeline to everything, including getting a ride. Ridesharing has become a popular form of transportation for many Ojus residents and visitors. Many ridesharing passengers have faith that nothing will happen when they enter an Uber or Lyft but what if something does happen while in a ride? If you are involved in an Uber or Lyft related accident it is crucial to schedule a free initial consultation with one of our Ojus Uber accident attorney.
Uber states on their website that they conduct multi-state, federal and county criminal background on all drivers. They also thoroughly review driver applicant records before approving them to drive for them. They claim that they continue to monitor driver records on a regular basis. We hope this is true, as passengers are essentially putting their trust in a stranger and they need to be sure they are safe when doing so.
Uber has a commercial liability insurance for one million from the moment that you accept an Uber trip to the moment you exit the vehicle. This coverage also includes uninsured motorists coverage and PIP insurance. Uber calls this best-in-class coverage and we have to agree. It is great that they protect their drivers and riders this way. Read more about the type of car insurance provided by Uber in case of a car accident. However, is this coverage easily accessible? In previous cases they have attempted to distance themselves from drivers involved in accidents leaving everyone out to dry. Before you allow this to happen to you, consult with one of our Ojus Uber car accident attorneys to discuss your options.
On the other end of the spectrum, when an Uber driver cause an accident without passengers or on the way to pick up his or her insurance provider will have to account for the damages. However, some insurance policies exclude personal use vehicles from coverage if they are being used for work. If the diver does not have their own policy or has this exclusion then the Uber commercial policy may cover you for $50,000 per individual / $100,000 per accident and up to $25,000 for property damage.
If the Uber driver has passengers, the $1 Million Dollar policy applies.
Uber and Lyft are similar in concept with each having their own unique appeal. A comparison of the two insurance policies and driver selection also shows that their practices and policies are similar. Lyft also says they have a $1,000,000 commercial insurance policy protecting their riders and Lyft drivers, Lyft also conducts background checks on their drivers. They seem to have the same protections, insurance wise for their passengers and drivers.