Uber/Lyft/Rideshare accidents in Braselton can be especially confusing because rideshare companies operate under different rules than traditional taxi services. While apps like Uber and Lyft have made transportation more convenient—allowing you to request a ride within minutes instead of waiting at a taxi stand—their drivers are subject to a different set of regulations. When a crash happens, determining which insurance policy applies and how coverage works can quickly become complicated.
If you have been involved in an Uber, Lyft, or other rideshare accident in Braselton, you should consult the dedicated car accident attorneys at Smith Hulsey Law right away. We can help you file your insurance claim and begin developing the legal proof necessary to establish liability and pursue the compensation you may be entitled to recover.
Uber and Lyft drivers typically use their own vehicles when accepting passengers. Rideshare drivers are not employees of the company, but are considered independent contractors. State law requires rideshare drivers to have personal car insurance like all other drivers.
When an Uber or Lyft driver in Braselton is “off app”, their personal insurance covers any accidents. A driver who has an accident off app files with their insurance company like any other driver.
If they are “on app” and waiting for a ride request, the company must provide limited liability insurance coverage of $50,000 per person and $100,000 per accident.
If they have picked up a passenger and are taking them to their destination, the company must provide liability insurance up to $1 million, including comprehensive collision coverage.
In general, if a driver does not have a passenger, their own insurance is the primary insurance. If they are waiting for a passenger, the company’s insurance becomes secondary insurance. Only if they have a passenger and are headed to their destination does the company’s insurance become the primary insurance.
If you are involved in a car accident with a rideshare vehicle in Braselton, you need to exchange insurance information with the driver just as you would in any accident. Georgia is an “at-fault” state, meaning the driver responsible for the accident must pay for all damages in the incident.
In addition to exchanging contact and insurance information, you should get the basic information about the vehicle and the driver. Georgia law requires rideshare drivers and vehicles to meet certain basic requirements:
State law requires rideshare companies to ensure their contractor drivers have good driving backgrounds. Violation of the basic requirements can be grounds for criminal charges and removal from the rideshare platform.
When you are dealing with Uber/Lyft/Rideshare accidents in Braselton, whether as a passenger or another driver, you may need legal assistance to navigate the complicated insurance requirements that apply to rideshare companies. If you have been involved in an Uber, Lyft, or other rideshare accident, contact the attorneys at Smith Hulsey Law as soon as possible to get your insurance claim started.
Our attorneys have extensive experience handling complex insurance claims involving rideshare policies. We can help identify the proper insurance companies and file your claims with the correct insurers. Call today to schedule your free consultation.
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