UBER, LYFT, TAXI–RIDESHARE AUTO ACCIDENTS
If you were a passenger in a LYFT/UBER car accident in Utah, dealing with insurance companies can be especially challenging. Having an experienced Utah car accident attorney in your corner can really help parse through the complicated world of car insurance and rideshare accidents.
TYPES OF UBER/LYFT CAR ACCIDENTS IN UTAH.
Passenger Claims: Passenger injury claims have an interplay between the car insurance company insuring the car you were in and the other car. As a passenger you bear no-fault for the car accident. Often you will have two different at-fault parties when you are in a passenger claim car accident situation. 
Example: Uber Passenger Claim: You are a passenger and intoxicated while riding to the next bar on a Saturday night in Orem, Utah. Your rideshare driver is t-boned. Severely injuring you. Even though you were drunk, you bear no fault on the how the car accident occurred. You will have an insurance claim against both the UBER driver and the other car in the intersection collision.
Rideshare driver Causing the accident you were In: You were driving as a LYFT/UBER driver and are rear-ended while on Center Street—Provo, UT. As the rideshare driver you will have a claim against the person who rear-ended you.
Struck by an Uber/Lyft driver as a pedestrian/bicyclist. When you are hit by a UBER/LYFT driver as a pedestrian that rideshare drivers’ insurance becomes primary personal injury protection provider. Followed by your own car insurance if you have any. Whatever insurance that is operating at the time of the accident will be primary in covering your personal injury claim.
UBER/LYFT ACCIDENTS INSURANCE
However the rideshare driver is operating, they will likely have insurance as part of doing the job. Whether it is the driver’s own personal car insurance or the default car insurance of LYFT or UBER is a key concern for your personal injury attorney to find out.
ARE RIDESHARES CAR ACCIDENTS LIKE UBER LYFT MUCH DIFFERENT?
Normally a car accident in which a rideshare car is involved only differs on what insurance is available. As of 04/08/2022, in Utah, LYFT has a $1,000,000 liability insurance policy for drivers’ actively using LYFT. But each state is different and the particular facts matters the most.
WILL LYFT/UBER COVER THE CAR ACCIDENT?
Yes, generally when a rideshare driver has a passenger on-board and an accident occurs, there will be insurance to cover the car accident.
RIDESHARE ADJUSTER INTERVIEW
Like most car accidents in Utah, the rideshare driver’s insurance company will want to take an adjuster interview. You have no duty to cooperate with the adverse insurance company, although there could be good reason to do so anyways.
Call/TXT (801) 373-6435 car accident lawyer Jake Gunter before you give an adjuster interview.
RIDESHARE SETTLEMENT TIMELINES IN UTAH
Rideshare car accident settlement timelines are not much different from regular car accident settlement timelines. One major difference is when the defendant at-fault driver fights as to which insurance company is the primary coverage for the accident. If insurance companies are jockeying to avoid insuring the car accident this can force a lawsuit to determine finally which insurance company is on the hook for the accident.
Figuring out which insurance company is the primary insurance company for the rideshare accident sometimes can involve a declaratory action. A declaratory action is where someone asks the judge to determine which insurance company is primary under the circumstances.
TYPES OF INJURIES COVERED IN A RIDESHARE ACCIDENT
Rideshare personal injury settlements cover the following types of injuries/damages:
(1). Special Damages. Medical bills, future medical bills, mileage, property damage or other hard, out-of-pocket expenses incurred “but for” the car accident. Future impaired capacity to earn money, past lost wages or future lost wages are all special damages in a Utah rideshare car accident settlement.
(2). General Damages. This is pain and suffering. It is the whole ordeal of having a car accident and how it changed your life. General damages are to make you whole.
COMMON MISTAKES AFTER A UTAH RIDESHARE ACCIDENT
The biggest mistake after a rideshare accident is just taking the first settlement offer the insurance company makes. Early after an UBERLYFT accident you often don’t know the true extend of your injuries. It is premature to settle your case when you don’t know the extent of your current bodily injuries or the extend of your future injuries.
It is also premature to settle a rideshare car accident case when you don’t even know what the policy limits are that are involved in the accident. Especially in rideshare car accidents, there can be disputes in what the actual policy limits are.
OTHER COMMON RIDESHARE CAR ACCIDENTS
Private Bus Accidents.
Airport Shuttle Accidents.
Limousines Accidents.
Taxi Cab Accidents. Ute Taxi, Yellow Cab.
Greyhound.
Door Dash.
Delivery Companies. Pizza Hut, Dominos Delivery Car Accidents.
Each of these less common rideshare or delivery car accidents have their own unique twist to them regarding insurance coverages. When dealing with rideshare insurance companies it is especially important to have an attorney well versed in Utah personal injury, insurance matters.