Ridesharing has become an extremely popular gig or side-job for someone looking for flexible work. I have represented many Uber and Lyft drivers who were involved in car accidents in Phoenix, Arizona. Unfortunately, these cases have some unique issues.
Does your auto insurance cover you while you are working for a rideshare company? Some insurance companies will cancel you if they find out that you are an Uber/Lyft driver. Other companies, will continue to cover you, but will deny the claim if you are involved in an accident while working – they cite their business use exclusions in their policies to deny coverage. However, there now several major companies that sell coverage for rideshare drivers in one form or another.
Often through no fault of their own, the Uber driver can no longer work while their vehicle is being repaired or replaced and while they are recovering from injuries. Even, if a driver gets a rental car – they cannot use it to work causing a loss of income at the worst possible time. Then, there is often a lag between a new vehicle is obtained and inspection by the ridesharing company. Fortunately, the computer records kept by Uber and Lyft make great evidence and we can prove these damages. We have successfully made claims on behalf of several drivers for loss of use of their vehicle and lost incomes caused by an accident.
Lastly, Uber and Lyft also provide insurance for their drivers during the time that a ridesharing partner is available but between trips and separate coverage after a passenger is picked up.
If you are an Uber of Lyft driver who is injured in a car accident, you should consult with an attorney as soon as possible … but certainly before you speak to the insurance company adjuster.