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Rideshare accidents and insurance: What to know

On Behalf of | Jun 19, 2023 | Car Accidents

In recent years, rideshare services like Uber and Lyft have revolutionized how people travel. With just a few taps on a smartphone, passengers can easily request a ride and get to their destination conveniently. 

However, with the increased popularity of these services, the number of rideshare accidents has also increased. Read on to explore rideshare accidents and the personal policies associated with such accidents in North Carolina.

What are rideshare accidents?

Rideshare accidents refer to traffic incidents involving vehicles operated by independent drivers for companies such as Uber and Lyft. These accidents involve various scenarios, including collisions with other vehicles, pedestrians or stationary objects. Several factors can contribute to rideshare accidents, but driver fatigue is the most common. Rideshare drivers often work long hours to meet high demand, which can lead to fatigue and reduced focus on the road. 

With the use of navigation apps and frequent passenger interactions, rideshare drivers may become distracted while driving. Moreover, these drivers are often under pressure to pick up and drop off passengers promptly, which can lead to rushed and unsafe driving behaviors. Some accidents also occur due to poorly maintained vehicles, such as faulty brakes or tires. 

Personal policies and insurance coverage for rideshare drivers

Regarding rideshare accidents, it’s important to understand the personal policies and insurance coverage associated with Uber and Lyft. When the app is on, and the driver is waiting for a ride request, they may use third-party liability coverage if their personal auto insurance doesn’t apply. 

As soon as the driver accepts a ride request and is en route to pick up the passenger, Uber and Lyft provide contingent comprehensive and collision liability coverage. The same applies when the driver has picked up the passenger and is transporting them to their destination. 

It’s important to note that rideshare companies only provide collision and comprehensive coverage if you have these packages on your personal auto insurance policy. The substantial deductible reduces your claim payment for these coverages. 

Understanding the personal policies and insurance coverage associated with rideshare accidents is crucial for drivers and passengers. This way, if you are ever involved in a rideshare accident, you’ll know the necessary steps to follow to seek compensation and protect your rights.