Have you or a loved one been injured in a car accident involving a Lyft or Uber driver in Scranton? Contact The Slocum Firm today to schedule a free consultation. We can help you get maximum compensation for your injuries.

When you’re involved in a rideshare accident in Scranton, navigating the complex world of insurance coverage can feel overwhelming. You might not know which policy applies, whose insurance will cover your damages, or where to start. Without proper guidance, you could be left alone dealing with costly medical bills and vehicle repairs.

At The Slocum Firm, our Scranton rideshare accident lawyers know how challenging and stressful rideshare accident claims can be. You shouldn’t have to worry about whether your claim will be denied or how you’ll pay your bills. That’s why we are here to help. 

This article will break down the details of insurance coverage when it comes to rideshare accidents in Scranton. We’ll walk you through the different types of insurance that may apply to your case, explain how they work together, and outline the steps to protect your rights after a rideshare accident in Scranton. 

Rideshare Driver’s Personal Auto Insurance

Personal auto insurance is designed to protect drivers using their vehicles for personal purposes, such as commuting to work, running errands, or taking a road trip. When a rideshare driver is involved in an accident, their auto insurance policy is initially responsible for covering any damages or injuries. 

Rideshare drivers are considered independent contractors, so their personal car insurance policy will typically cover any damages or injuries that occur while they are not actively engaged in a rideshare trip. This includes the time before the driver accepts a ride request and after they have dropped off a passenger and are no longer actively on a rideshare trip.

Traditional personal auto insurance policies often exclude coverage when the driver is engaged in commercial activities, such as ridesharing. This means that if a rideshare driver is involved in an accident while on the job, their auto insurance may not cover the damages or injuries.

Rideshare Company Insurance

Rideshare companies such as Uber and Lyft provide insurance coverage for their drivers and passengers. The level of coverage can vary depending on the driver’s status at the time of the accident. Here are the three levels of coverage rideshare companies provide in case of an accident:

• The Driver is Logged into the App but Has Not Accepted a Ride Request: When a rideshare driver is logged into the app and waiting for a ride request, the insurance coverage provided by the rideshare company is relatively limited. During this period, the rideshare company’s insurance typically covers the driver for third-party liability. This means that if the driver is at fault for an accident, the insurance will cover damages to other vehicles and property and bodily injury to other drivers, passengers, and pedestrians. However, this coverage is often much lower than provided during an active ride. For example, in Scranton, Uber and Lyft generally offer $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage. It’s important to note that this coverage does not extend to the rideshare driver’s injuries or damages to their vehicle. This means that if the driver sustains any injuries during an accident during this time, they may need to rely on their auto insurance, which may not provide coverage due to the commercial use exclusion.
• The Driver Has Accepted a Ride Request and is En Route to Pick Up a Passenger: Once a rideshare driver accepts a ride request, the ride-sharing company’s insurance coverage increases significantly. Suppose an accident occurs while the driver is on the way to pick up a passenger. In that case, the rideshare company’s insurance should cover damages to the driver’s vehicle and provide liability coverage for any injuries or damages caused to others. The liability coverage during this period usually includes up to $1 million for third-party bodily injury and property damage and additional coverage options such as uninsured/underinsured motorist coverage. This is a crucial layer of protection for drivers, especially in a state like Pennsylvania, where not all drivers carry adequate insurance. However, it is essential for rideshare drivers to ensure that they have the necessary personal auto insurance coverage to qualify for contingent comprehensive and collision coverage. Without it, they may find themselves responsible for the costs of repairing their vehicle after an accident, even if they were on the way to pick up a passenger at the time. 
• The Driver Has a Passenger in the Vehicle: When a passenger is in the vehicle, rideshare companies provide the most comprehensive insurance coverage. The rideshare company’s insurance typically provides up to $1 million in liability coverage, covering bodily injury and property damage to third parties. This coverage is designed to protect the driver in case of an at-fault accident that results in injuries or damages to other drivers, passengers, pedestrians, or property. In addition to liability coverage, the rideshare company’s insurance also includes uninsured/underinsured motorist coverage, which protects the driver and passenger in the event of an accident with a driver who does not have insurance or does not have sufficient insurance to cover the damages. The rideshare company’s insurance may also provide contingent comprehensive and collision coverage for the driver’s vehicle, provided the driver has these coverages on their auto insurance policy. This coverage can help pay for repairs to the rideshare vehicle after an accident.

Understanding the different levels of insurance coverage provided by rideshare companies in Scranton is essential for you to protect yourself after a rideshare accident. 

Third Party’s Insurance Company

If you’re involved in a rideshare accident in Scranton caused by another driver, the insurance coverage provided by the at-fault party is crucial for recovering your damages. This third-party insurance can help pay for your medical expenses, vehicle repairs, lost wages, and other losses resulting from the accident. Remember that third-party insurance coverage is separate from the insurance provided by the rideshare company. While the rideshare policy may offer additional protection, the at-fault driver’s insurance will be the primary source of compensation if they cause the accident. 

In Pennsylvania, all drivers must carry minimum liability coverage of $15,000 per person or $30,000 per accident for bodily injury and $5,000 for property damage. Depending on the accident’s severity and your losses, the third-party’s insurance may need to pay out their total policy limits for adequate compensation. 

However, state-mandated minimums often fall short in serious rideshare accidents. Complications can also arise if the at-fault driver is uninsured or underinsured. In such cases, you may need to rely on the uninsured/underinsured motorist coverage provided by the rideshare company if the accident occurred during an active ride or while en route to pick up a passenger.

In some cases, third-party auto insurance could involve other entities, such as a government agency if poor road conditions contributed to the accident or a vehicle manufacturer if a defect in one of the vehicles played a role. Determining liability in these situations can be complex. An experienced Scranton rideshare accident attorney can help you navigate the claims process and ensure you receive the maximum payout you deserve.

Steps to Take to Ensure You Get the Maximum Compensation You Deserve

When you’re involved in a rideshare accident in Scranton, taking the proper steps immediately can significantly affect the outcome of your claim. Here are five steps you should take to protect your rights and ensure you receive the compensation you’re entitled to.

• Seek Immediate Medical Attention: Your health and safety should be your top priority after any accident. Even if you feel fine, it’s crucial to seek medical attention as soon as possible. Some severe injuries, such as concussions or internal injuries, may not show immediate symptoms but can worsen over time. By visiting a healthcare provider, you not only ensure your well-being but also create a medical record that documents your injuries. This record will be vital when filing an insurance claim or pursuing legal action, as it serves as evidence linking the accident to your injuries. 
• Document the Accident Scene: Gathering evidence at the accident scene is essential for building a solid case, especially after getting into Uber and Lyft accidents. Take photos of all vehicle damage, road conditions, traffic signs, and any visible injuries. Collect contact information from witnesses, other drivers involved, and the rideshare driver. You should also notify the police and ensure they create an official police report. This document serves as evidence and can be crucial when dealing with insurance companies. Make sure to note whether the rideshare driver was logged into the app, had accepted a ride request, or was actively transporting a passenger, as this can affect insurance coverage. If possible, get a screenshot of the rideshare app showing the trip status. This information can be invaluable when determining insurance coverage and liability later on. 
• Notify the Rideshare Company: After gathering evidence, you should report the accident to the rideshare company immediately. Whether you’re a passenger, driver, or another party involved in a collision with an Uber or Lyft vehicle, notifying the company promptly can help you access their insurance coverage. Both Uber and Lyft have specific procedures for reporting accidents, which initiate their insurance claims process. This step is vital because the rideshare company’s insurance may cover your damages, depending on the circumstances of the accident. Make sure to follow their procedures closely and keep a record of all communications with the rideshare company to support your claim and ensure you’re adequately covered.

• Notify Your Insurance Company: After a rideshare accident in Scranton, it’s crucial to notify your insurance company promptly. Whether you’re a rideshare driver or a passenger, your insurance company needs to be informed to begin the claims process. Even if you were not at fault, it’s wise to inform your insurance company about the accident. This step ensures that you’re on the right track to receiving the compensation you deserve. Your insurance company can compensate you for your losses, especially if the rideshare company’s insurance doesn’t fully cover your damages. Be sure to provide detailed information about the accident scene, including any police reports and photos. Failure to notify your insurance company could complicate the claims process and potentially affect your coverage.
• Consult with a Rideshare Accident Lawyer: Navigating insurance claims after a rideshare accident can be complicated, especially when multiple parties are involved. Consulting with an experienced Scranton personal injury attorney who understands the legal landscape in Scranton is crucial. A lawyer can help you determine the full extent of your damages, including medical expenses, lost wages, and pain and suffering. Legal representation can be especially important if the rideshare company or their insurance provider disputes your claim or offers a settlement that doesn’t adequately cover your expenses.

By taking these steps, you can protect your rights and improve your chances of receiving fair compensation for your losses resulting from a rideshare accident in Scranton. Remember, large rideshare companies like Uber and Lyft have teams of lawyers working to protect their interests. Having a knowledgeable advocate on your side can help ensure your rights are protected throughout the claims process. 

Contact a Rideshare Accident Lawyer in Scranton

If you’ve been involved in a rideshare accident in Scranton, PA, you don’t have to face the aftermath alone. At The Slocum Firm, we work to help victims of rideshare accidents like you navigate the complexities of insurance claims. We understand the unique challenges that come with rideshare accidents in Scranton and are committed to ensuring you don’t face them alone. 

Our experienced team is here to guide you through the complex insurance landscape, deal with rideshare companies and their insurers, and fight for the compensation you deserve. Call us today at 570-209-7376 for a free, no-obligation consultation. Don’t let the legal system or insurance companies take advantage of you; call us today.