Uber or Lyft provide convenient transportation service for people in Farragut who need a ride around town. But when an Uber or Lyft driver is involved in an injury accident, it can be challenging to navigate the liability assumed by the driver, the rideshare company, and any third-party participants in the crash.

If you were a rideshare passenger, motorist, bicyclist, or pedestrian and suffered an injury caused by an Uber or Lyft driver, a rideshare accident lawyer in Farragut, TN, may be able to help. You can make a claim if your Uber, Lyft, or taxi driver was in a car accident. Contact OEB Law, PLLC at 865-546-1111 for a free consultation.

Investigating Your Uber & Lyft Rideshare Accident

The legal team at OEB Law, PLLC can thoroughly investigate your Uber or Lyft accident to determine how the accident occurred and which party is liable for your damages. Some of the evidence we can collect includes:

  • The rideshare driver’s ratings and passenger complaints
  • Police reports
  • Traffic camera video of the accident
  • Eyewitness statements
  • Medical records

This information can help build a case that demonstrates how the rideshare driver owed you a duty to exercise reasonable care to avoid causing you harm. When the driver failed that duty and you suffered damages due to their or the rideshare company’s negligence, either or both can be held liable for your injuries.

Sorting Out Insurance Policies

The insurance claims process can become complicated as well, because insurers for Uber, Lyft, the rideshare driver, and possibly a third party are all involved in the process.

Even if a rideshare driver is involved in an accident, Uber or Lyft may deny responsibility for the damages that result. This is because rideshare drivers are independent contractors rather than Uber and Lyft employees.

An Uber & Lyft rideshare accident lawyer from OEB Law, PLLC can help you determine which party’s insurance policy applies in your injury accident and pursue the compensation you deserve.

Uber and Lyft Insurance Coverage

Uber’s and Lyft’s $1 million commercial liability insurance covers accidents caused by rideshare drivers who have their rideshare application (app) on and are working at the time of the accident.

This means that, generally, Uber and Lyft cover the damages when:

  • A rideshare driver has a passenger and hits another vehicle or pedestrian.
  • A rideshare driver does not have a passenger but is responding to a pick-up request and causes an accident.
  • A rideshare driver has a passenger when an uninsured or underinsured driver causes an injury accident.

In some cases, the rideshare company will only assume partial liability for the accident. When this happens, we can help you pursue any remaining compensation from the rideshare driver’s personal car insurance policy.

Rideshare Drivers Have Their Own Auto Insurance, As Well

Rideshare drivers are required to have their own auto insurance policy to cover damages that Uber’s or Lyft’s insurance will not cover.

Tennessee requires vehicle owners to carry minimum liability insurance limits of:

  • $25,000 for one injury or death
  • $50,000 for all injuries or death
  • $15,000 for property damage for one accident

If you have questions about rideshare liability insurance coverage, an Uber and Lyft rideshare accident lawyer in Farragut may be able to help. Call 865-546-1111 to discuss the details of your case.

Third-Party Insurance Claims

If you were a passenger in an Uber or Lyft vehicle and another driver caused an accident, we can help you file an insurance claim against the other driver’s auto insurer.

However, Uber’s or Lyft’s insurance coverage may apply if the at-fault driver does not have auto insurance or does not have enough insurance to cover your damages.

If the third-party driver ends up in a dispute with Uber or Lyft over liability, we will present our evidence that shows fault for the crash and the damages you sustained because of the at-fault party’s negligence. This is one of many reasons why we investigate accidents and build strong cases to prove liability.

Recoverable Damages in an Uber & Lyft Ridesharing Accident

We can estimate the value of your insurance claim based on the type of damages that you suffered in the rideshare accident. Although every accident is unique, there are damages common to most accidents. These damages include:

Medical Expenses

Medical expenses include costs for ambulance transportation, surgeries, hospital stays, specialized medical treatment, and more.

Lost Wages

Lost wages involve the wages you lost after the rideshare accident because you could not work. Depending on the severity of your injury, you may also pursue compensation for loss of future wages.

Pain and Suffering

Pain and suffering involves non-economic damages, such as the physical, emotional, and mental pain that you suffered because of the accident. A personal injury lawyer from OEB Law, PLLC knows how to calculate your pain and suffering settlement in Tennessee, and can help you recover the compensation you deserve.

Negotiating Your Insurance Claim

At OEB Law, PLLC, we handle all aspects of insurance claims, from filing the claim to negotiating a settlement on behalf of our clients.

We know the tactics insurers use to justify devaluing a claim or denying compensation. We continue negotiations until we get fair compensation for our clients.

While we are usually able to settle claims out of court, there are times when an insurer refuses to offer a fair settlement. If the insurer for the rideshare company, the rideshare driver, or a third-party driver refuses to settle a claim, an Uber & Lyft rideshare accident lawyer in Farragut, TN can file a lawsuit to let a judge or jury resolve the matter.

Let Us Help You With Your Uber and Lyft Car Accident in Farragut

If you were injured in an Uber or Lyft rideshare accident, you do not have to fight for your rights alone. Let an Uber & Lyft rideshare accident lawyer in Farragut, TN stand up for you and help you recover the compensation you deserve.

The Tennessee statute of limitations governs how much time you have to file a claim, starting from the date of your accident. It is important to begin the process as soon as possible to ensure your lawsuit is filed within that window.

Contact OEB Law, PLLC today at 865-546-1111 to get started with a free case evaluation.