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How Do I Recover Financially If I Was Injured As A Rideshare Passenger?

Dec 27, 2021

Ride sharing has become an everyday part of most North Carolinian’s lives. Whether catching an Uber or Lyft to a friend’s house, dinner, a night out, or even daily to work, most people have taken an Uber or Lyft at least once. So, what happens if you’re involved in an accident while a rideshare passenger? More importantly, who pays if you suffer an injury? Our skilled personal injury attorneys can help you navigate the process while you recover. If you or someone you know has recently been in an accident as a passenger in an Uber or Lyft, contact us today. 

Recovering from insurance companies after an accident, especially one that is not your own, is complicated. An insurance company is a business, and at the end of the day they are looking out for their bottom line. On top of that, Uber and Lyft drivers are classified as independent contractors. As an independent contractor, drivers are typically responsible for carrying their own insurance. 

Seeking payment form insurance 

Uber and Lyft provide drivers with insurance on top of their own personal car insurance. It is likely that Uber and/or Lyft will deny your claim until you go through the driver’s personal insurance. 

North Carolina requires all drivers carry the following insurance: 

·      Bodily injury (one-person): $30,000

·      Bodily injury (two people): $60,000

·      Property Damage: $25,000

In the event that the rideshare driver’s insurance refuses to cover your injuries – some insurance carriers do not cover ride share drivers  — or do not cover enough, Uber and Lyft’s insurance may provide coverage. 

Both Uber and Lyft provide their drivers with $1,000,000 in third-party liability insurance. Should you be involved in an accident, and the rideshare driver’s personal insurance doesn’t cover your hospital bills or after care, our personal injury attorneys at Paynter Law can help you pursue a claim against Uber or Lyft’s insurance company.

How our personal injury attorneys can help

Hiring a personal injury attorney can greatly increase your chances of filing a successful claim against an insurance company. Pursuing a successful insurance claim can involve a number of complicated processes including: 

·      Gathering hospital records and doctor care notes;

·      Compiling all your hospital bills and expenses related to your care; 

·      Interviewing the drivers or witnesses; witnesses

·      Interviewing your healthcare providers or retaining expert witnesses to explain your injuries; and

·      Negotiating with the insurance company’s representatives 

Our team has experience dealing with both large and small insurance providers. We know what they are looking for when reviewing your claim, and we know the tactics they use to convince you to take a smaller settlement amount than you deserve. 

A personal injury attorney is standing by to assist you

We are a dedicated group of attorneys specializing in personal injury claims. Collectively, we have over 20+ years of experience representing clients in all types of personal injury claims against North Carolina car insurers. If you or someone you know is injured as a passenger in a rideshare vehicle, please give us a call today.