Rideshare platforms like Uber and Lyft have transformed travel in recent years. While they offer convenience and reliability, rideshare accidents can raise complicated questions about liability. If you’ve been injured in a rideshare accident in Iowa, you might be wondering, “Who’s responsible for covering my medical bills, lost wages, or other damages?”
Determining liability in rideshare accidents can be complex, as it often involves multiple parties, including the rideshare driver, the rideshare company, and potentially other third-party drivers. By exploring the factors at play, you'll better understand your rights and how to seek compensation.
When Is the Rideshare Driver Liable?
Rideshare drivers are considered independent contractors, not employees of companies like Uber or Lyft. However, that doesn’t absolve them of responsibility for accidents that occur due to negligence.
A rideshare driver may be liable if they were engaging in risky behavior like speeding, texting while driving, or running stop signs. Iowa law requires all drivers to exercise reasonable care, meaning they must follow traffic laws and operate their vehicles safely.
If the rideshare driver caused the accident, their personal auto insurance may cover some of your damages. However, personal insurance policies often exclude coverage if the driver was using their vehicle for commercial purposes at the time of the accident. This is where rideshare company policies come into play.
When Does the Rideshare Company’s Insurance Apply?
Rideshare companies like Uber and Lyft provide liability coverage for their drivers, but the extent of this coverage depends on the driver’s status at the time of the accident.
1. The Driver is “Offline”
If the driver is not logged into the rideshare app when the accident occurs, the rideshare company bears no responsibility. Compensation for damages would depend on the driver’s personal auto insurance.
2. The Driver is “Available” or Waiting for a Ride Request
When the driver is logged into the app and waiting for a ride request, both Uber and Lyft provide contingent liability coverage. This usually includes up to $50,000 per person for bodily injury, $100,000 per incident for bodily injury, and $25,000 for property damage. This coverage applies if the driver’s personal insurance denies or does not fully cover the claim.
3. The Driver is Actively Transporting a Rider
When a driver is en route to pick up a passenger or has a passenger in the car, rideshare companies provide a much higher liability coverage limit. Both Uber and Lyft typically offer up to $1 million in third-party liability coverage during this period. This coverage is intended to compensate anyone injured in an accident caused by the rideshare driver. It may also address property damage claims.
What Happens if Another Driver is At Fault?
If another driver caused the rideshare accident, their auto insurance will typically be the primary source of compensation for your damages. This includes coverage for medical bills, lost wages, and other accident-related expenses.
However, if the third-party driver’s insurance is insufficient to cover your losses, the rideshare company’s underinsured motorist coverage may kick in. This ensures that your medical bills and other costs are still addressed, even in cases where the at-fault driver lacks adequate insurance. Be sure to verify how this applies based on Iowa’s rideshare and insurance laws.
What Steps Should You Take After a Rideshare Accident in Iowa?
If you're involved in a rideshare accident, following the steps below will help protect your health and your potential claim for compensation.
- Seek Medical Attention
Always prioritize your well-being by seeking medical care immediately, even if you feel fine. Some injuries, like concussions or soft tissue damage, might not show symptoms right away.
- Report the Accident
Notify law enforcement and obtain a police report. If you were a passenger in a rideshare vehicle, inform the rideshare company (via their app or customer service).
- Gather Evidence
Document everything at the scene, including photos of vehicle damage, injuries, license plates, and road conditions. Collect contact and insurance information from all parties involved, including the rideshare driver and other drivers.
- Consult an Attorney
Rideshare accidents involve overlapping layers of responsibility and insurance. An experienced personal injury attorney familiar with Iowa’s laws can help untangle these complexities and ensure you receive the compensation you deserve.
Getting Help From a Des Moines Rideshare Accident Attorney
Navigating the legal and insurance intricacies of a rideshare accident can be overwhelming. From identifying insurance coverage to negotiating with claims adjusters, having skilled legal guidance is invaluable.
At LaMarca Law Group, P.C., we help accident victims in Iowa get the compensation they’re entitled to. We have extensive experience helping victims of Uber and Lyft crashes seek fair financial recovery for their damages. We can help you, too.
Reach out today at (515) 705-0233 for a free consultation to understand your options and take the first step toward justice.