Being in an accident as an Uber or Lyft passenger can leave you with injuries and vehicle damage. While the rideshare companies provide some insurance coverage, getting fair compensation often means negotiating with their insurance provider. It helps to understand the policies and advocate effectively for your interests. Here are some tips to get the best settlement possible after an Uber/Lyft accident.
Document the Extent of the Injuries and Damage
Insurance adjusters look for reasons to minimize claims. Don’t let a lack of documentation jeopardize yours. Take photos showing your injuries or vehicle damage. Get contact info for witnesses. Write down exactly what happened immediately after the accident. Save communications with Uber/Lyft and their insurer. Have doctors fully document treatment recommendations and prognosis. This evidence is crucial for proving your losses.
Know What Uber/Lyft’s Policies Cover
Uber and Lyft provide contingent liability coverage for passengers during rides. This covers medical bills, lost wages from injuries, and damage repairs up to policy limits. However, the insurer may deny claims they believe weren’t directly accident related. Understand what’s covered so you can get all the benefits you’re entitled to.
Hire an Attorney Experienced with Rideshare Claims
Insurance companies have attorneys working to protect their finances. To go up against them, you need the advice of a legal professional who knows rideshare policies and claim negotiations. An attorney deals directly with the insurer so you can focus on healing. They’ll fight for fair compensation if the initial offer is unsatisfactory.
Cooperate Fully with the Adjuster
Though insurance companies seek to minimize payouts, taking an adversarial stance can actually hurt your claim. Be polite, professional, and prompt when the adjuster requests information. Answer questions fully and honestly. Provide comprehensive documentation. Extend good faith, but don’t accept low offers. Let your lawyer negotiate firmly for your interests.
Have Realistic Expectations About Settlements
It’s natural to want full reimbursement for all accident-related losses, but insurance payouts are limited. Educate yourself on caps for injury claims and other regulations in your state. While you deserve fair compensation, unreasonable expectations could hamper reaching a settlement.
Allow Time for the Claims Process
Insurance claims take time to resolve thoroughly. The adjuster must investigate, determine fault and confirm damages before making an offer. Supply the requested info ASAP, but don’t get impatient if it takes weeks or months. Hiring an attorney removes pressure on you and facilitates settling your claim properly.
With knowledge, documentation, legal help and realistic outlook, you can successfully negotiate fair compensation from Uber/Lyft’s insurer after an accident.
Contact Us Today
If you’ve been injured as an Uber/Lyft passenger, the insurance claims process can seem daunting. At Monge & Associates, our attorneys have extensive experience negotiating maximum settlements with rideshare insurance providers. With 32 offices in 19 states, including South Carolina, Virginia, and Maryland, we have local representation to assist you anywhere your accident occurred. For a free case review and consultation, contact us today at (888) 477-0597.