Rideshare services have been increasing in popularity, and the numbers of people using them will likely grow in the years ahead. While Uber comes to mind when many people think of a ridesharing service, the rideshare company Lyft is also very popular. Lyft operates in the Atlanta area, and a map of its geographic reach can be found here. Rideshare companies like Lyft are becoming a common source of transportation in large cities like Atlanta, as well as some of Atlanta’s suburbs, such as Marietta, Smyrna, Decatur, Kennesaw, Alpharetta, Dunwoody, Roswell, and Sandy Springs. After an accident with a Lyft vehicle, you may have a lot of questions, and there are a variety of questions that need to be addressed. For example, you may be wondering what insurance is available if you are injured while riding in a Lyft vehicle? What happens if a Lyft driver hits my own vehicle? Is Lyft responsible for damages when one of its drivers causes an accident? Can I sue Lyft?
Like any other drivers on the roadways, Lyft drivers have to follow the rules of the road and not act negligently. Unfortunately, rideshare drivers seem to be more prone to distraction that other drivers on the roadways as they try to follow directions on their phone or look for the next ride request to come through their Lyft app.
If you were injured in a Lyft accident in the Atlanta area, here is some basic information you need to know.
What Insurance Applies in a Georgia Lyft Accident?
Lyft provides liability insurance for its drivers and uninsured motorist coverage for Lyft drivers and their passengers. The amount of insurance available depends on the timing of the accident. When a Lyft driver is in Driver Mode but has not picked up a passenger, then Lyft provides what it calls contingent liability insurance. This insurance applies if the Lyft driver’s insurance is not available. The amount of contingent liability coverage is $50,000 per person and $100,000 per accident for personal injury, and $25,000 per accident for property damage.
As soon as a Lyft driver accepts a ride request, Lyft provides primary liability insurance and uninsured motorist insurance through the end of the ride. The amount of liability insurance and uninsured motorist insurance is $1,000,000 per accident.
Whether Lyft’s liability coverage or uninsured motorist coverage applies to a personal injury claim depends on who was at fault. If the Lyft driver caused the accident, then the liability policy would pay for the damages the driver caused. On the other hand, if an uninsured or underinsured driver is responsible for an accident with a Lyft driver, then Lyft’s uninsured motorist coverage may be available to provide benefits to the injured Lyft driver and their passengers.
How Do You Report an Accident to Lyft?
If you were involved in an accident with a Lyft vehicle, you should report the accident to Lyft. The claims phone number for Lyft is 855-865-9553. As always, be careful what you stay to any claims adjusters, whether they work for an insurance company or for Lyft. What you say could come back to hurt you.
In addition to the reporting the claim to Lyft, you should report your accident to your own insurance company. In Georgia, you are entitled to uninsured motorist coverage under your own insurance policy, or under any resident relative’s policies, if you are injured while a passenger in another person’s motor vehicle. This means that if you are injured in a Lyft accident in Georgia, it is important that you notify all potential insurance companies as soon as possible. Even if you think you may not need to use your own auto insurance policy, you definitely will not be able to use it if you do not notify your insurance company. You do not want to be in a position where 6 months or so down the road you find out you need to use a certain type of coverage under your own auto policy, but you are unable to do so because you failed to timely report the claim.
If you were injured in an Atlanta Lyft accident, it is important that you speak with an experienced personal injury attorney as soon as possible. The Atlanta personal injury attorneys at The Champion Firm, P.C. have the experience and knowledge to successfully pursue your claim and obtain all the compensation you are entitled to receive. Contact The Champion Firm, P.C. at 404-596-8044 for a free consultation about your Lyft accident.