An increasing number of individuals nowadays prefer not to purchase their own car because of the cheap transportation offered by rideshare companies such as Lyft and Uber. The biggest advantage of these services is that you can locate one on your smartphone, view the fare for different types of vehicles, and book the one that best suits you. However, one cannot deny the fact that despite the skills of the drivers of these companies, their vehicles are prone to accidents.
When a collision occurs, passengers riding in that vehicle are susceptible to severe injuries. However, litigating such personal injury cases is much more complex when compared to standard car accident claims. Therefore, it is extremely vital that you have an experienced and reliable Chicago car accident attorney by your side to help you recover damages for injuries suffered and expenses for your treatment.
Should I Sue the Rideshare Driver or the Rideshare Company?
Most people involved in such accidents often ask whether they can sue their rideshare driver. However, this is not as simple as you might think because rideshare companies do not own a pool of cars. On the contrary, they work with independent contractors who own and drive their own vehicles. Thanks to this, the insurance coverage of such vehicles can be quite confusing.
Ridesharing companies provide a one-million-dollar liability insurance policy to each of their drivers. This policy comes into effect in the unfortunate event of an accident. This implies that both the driver, as well as the passengers, may be covered for their losses and injuries. However, the insurance coverage totally depends on what the driver was doing at the time the collision took place. Here are some examples:
- Off service: The driver might have his driver mode turned off at the time of the accident. In case the accident occurs during this period, the concerned driver would have to get in touch with his personal auto insurance for coverage.
- On service: The driver was either waiting for a car request or was driving his car to pick up a client when the accident occurred. In such a scenario the rideshare company has contingent liability coverage in the case that the personal insurance of the driver does not provide enough or no coverage at all.
- Driving a passenger: If the crash took place while the driver was transporting one or more people, both the passenger(s) and the driver are typically covered under the ridesharing company’s liability coverage.
Keeping the above factors in mind, it is very difficult to sue the company. You can, however, seek the help of a professional Chicago car accident attorney to help you. You, the passenger, are covered under the company’s insurance policy if you were a passenger when the accident took place, and the driver of the vehicle was at fault. The attorney will send letters to the rideshare company and the driver, asking them to preserve the evidence of your ride