Why Ridesharing Accidents Are Unique
Ridesharing accidents differ from typical car accidents in several important ways. These differences often stem from the involvement of multiple insurance policies, the distinction between personal and commercial coverage, and the complex question of liability.
First, rideshare companies like Uber or Lyft typically provide insurance coverage, but only under specific conditions. For instance, when the rideshare app is on, and the driver is actively transporting a passenger, the company’s commercial insurance applies. However, during periods when the app is on but the driver is waiting for a ride request, limited coverage may apply. If the app is off, only the driver’s personal insurance policy covers the accident.
The distinction between personal and commercial insurance creates unique challenges. Many personal insurance policies exclude coverage when the driver is working for a rideshare service. This gap can leave drivers and passengers unsure about how to seek compensation after an accident.
Liability issues are another factor that sets ridesharing accidents apart. In traditional car accidents, liability usually falls on one or more drivers. In rideshare accidents, it can be harder to determine whether the rideshare company, the driver, or even a third party is responsible for covering damages. These cases often require a detailed investigation into the driver’s status at the time of the accident and the company’s role in maintaining safety.
Understanding these distinctions is key to filing personal injury claims or lawsuits for victims of severe injuries. Working with a personal injury lawyer can help clarify the available options for compensation, especially when medical bills or lost wages add up.
Ridesharing accident cases are not always straightforward, but knowing how they differ from typical car accidents can make it easier to seek justice.
Legal Options for Hawaii Rideshare Accident Victims
Being involved in a rideshare accident can be a confusing and stressful experience. If you’ve been injured in an accident involving an Uber or Lyft driver in Hawaii, understanding your legal options is important to protect your rights and recover the compensation you deserve.
Determining Fault and Insurance Coverage
Under Hawaii law, determining who is responsible for the accident is the first step. Liability may rest with the Uber or Lyft driver, another driver, or even a combination of parties. Rideshare companies generally provide a commercial insurance policy to cover accidents, but the coverage depends on the driver’s status at the time of the crash. For example:
- If the rideshare app was off: The driver’s personal insurance typically applies.
- If the app was on but no passenger was present: The rideshare company’s limited coverage may apply.
- If a passenger was in the vehicle: Full coverage under the rideshare company’s commercial insurance policy usually applies.
Gathering insurance information from all parties involved is essential to understanding what coverage is available.
Compensation for Rideshare Accident Claims
If you have been in a rideshare accident, there may be multiple avenues to claim compensation. Rideshare drivers are required to carry commercial insurance. That is in addition to the no-fault insurance that all vehicle drivers must have. Plus, many rideshare companies offer a guarantee if existing insurance policies are insufficient. Some of these guarantees are up to $1 million.
Despite the existence of these resources, it can still be challenging to get fair compensation. Rideshare and insurance companies often don’t do the right thing or admit their fault. It’s their goal to pay you as little as possible. That’s why our experienced Hawaii rideshare accident lawyers work tirelessly to help victims. We use our resources, skill, and determination to fight for the compensation that you deserve.
We can represent you if you are a:
- Passenger
- Driver, if you are not at fault for the accident
- Passenger or driver in another vehicle
- Pedestrian, bicyclist, or someone else who is hit
Get the legal representation you need after a rideshare accident. Call 808-427-3088 today to talk to a lawyer about your case.