Rideshare services like Uber and Lyft have become integral to modern transportation, offering convenience and efficiency. However, rideshare drivers are not infallible, and they can get into road accidents like any other motorist. When these collisions occur, recovering compensation can be complex, especially if a passenger is in the vehicle.
In Wisconsin, a fault state for motor vehicle accidents, the liable party is responsible for paying for any damages that occur in a collision. With multiple parties involved—the driver, the rideshare company, and possibly others—the process of determining liability becomes challenging and nuanced.
Working with an experienced Milwaukee ridesharing accident attorney can be vital to navigating these complexities.
Who Can Be at Fault for a Rideshare Accident?
Rideshare accidents can happen for many reasons, from driver negligence to mechanical failures and even dangerous policies practiced by the company. Determining liability often requires an in-depth investigation, but potential at-fault parties may include:
- The Rideshare Driver: If the rideshare driver’s negligence or violation of traffic laws led to the accident, they could be held responsible. You could file a claim against the driver’s personal insurance or a lawsuit against them in court.
- The Rideshare Company: Although rideshare drivers are typically independent contractors, there are circumstances under which the company itself might be liable, such as failing to properly vet drivers or maintain safety standards.Â
- Another Motorist: If another driver’s actions caused the accident, they could be held liable. Pursuing a claim against another motorist would typically involve their personal car insurance provider.
- A Product Manufacturer: In rare cases, a defect in the vehicle, whether the rideshare car or another involved vehicle, can lead to accidents. Here, the manufacturer of the defective part may be liable.
Do Rideshare Companies Offer Insurance Coverage for Accidents?
Depending on the company, some rideshare services have corporate insurance policies that help pay for damages in accidents caused by their drivers. The extent of this coverage often varies based on the status of the driver at the time of the collision. Uber and Lyft, two of the largest rideshare companies in the United States, offer very similar tiered insurance policies:
- The App is Off: The driver’s personal auto insurance applies, with no coverage from the rideshare company.
- The App is On and the Driver Is Waiting for a Ride Request: Limited liability insurance is provided by the rideshare company if the driver’s personal insurance denies coverage.
- The App Is On and the Driver Is Picking Up or Has a Passenger in the Vehicle: The rideshare company will provide the most amount of coverage, including up to $1 million in liability, compensation for damage to the driver’s car, and uninsured motorists’ coverage.
In rare cases, you could also file a lawsuit against the rideshare company. Due to the independent contractor status of their drivers, some companies may deny their liability. However, situations may arise where legal action against the company is viable, such as if damages exceed the driver’s insurance policy limits or if the company’s negligence in hiring or training played a role.
Work with a Ridesharing Accident Lawyer in Milwaukee Today
Rideshare accident claims can be challenging, especially when it comes to determining liability. In these situations, a Milwaukee ridesharing accident attorney can provide critical support. Their expertise is invaluable in assessing the accident, determining liability, and guiding you through the claims process.
Don’t navigate this journey alone—contact a personal injury attorney in Milwaukee as soon as possible after your accident and gain the support and guidance that you deserve.