Insurance Coverage in Lehi Rideshare Accidents

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If you’ve been involved in a rideshare accident in Lehi, understanding the insurance coverage that applies to your case is crucial for ensuring you receive the compensation you deserve. Rideshare accidents can be complex due to the various parties involved, including the rideshare driver, the rideshare company, and potentially other third parties. 

At Flickinger Boulton Robson Weeks, we specialize in helping victims of rideshare accidents navigate these complexities, from understanding the different types of insurance coverage to negotiating with insurance companies for a fair settlement. 

Our experienced Lehi rideshare accident lawyers are committed to protecting your rights and guiding you through every step of the claims process, ensuring you are fully compensated for your injuries and losses.

Overview of Rideshare Insurance Policies

Rideshare insurance policies can be complex, as they often involve multiple layers of coverage, depending on the specific circumstances of the accident. 

When a rideshare driver is on the road, different levels of insurance coverage may apply based on whether the driver is transporting a passenger, waiting for a ride request, or not using the app at all.

Driver’s Personal Insurance: This is the insurance the driver carries for their own personal vehicle use. However, when the driver is active on a rideshare app, their personal policy may not apply.

Rideshare Company Insurance: Rideshare companies like Uber and Lyft provide liability coverage that kicks in when a driver is using the app. The coverage varies depending on whether the driver is waiting for a passenger or already transporting one.

Understanding how these policies work and when they apply is crucial in a rideshare accident case. Having the right legal team on your side ensures you pursue all available coverage and compensation.

Differences Between Rideshare and Personal Auto Insurance

Rideshare insurance and personal auto insurance differ significantly in their coverage and application, particularly regarding accidents involving rideshare drivers. Personal auto insurance is intended for drivers who use their vehicles for personal, non-commercial purposes. 

This coverage typically protects the driver in the event of an accident. Still, it generally excludes any incidents occurring while the vehicle is being used for business purposes, such as ridesharing.

In contrast, rideshare insurance is specifically designed for drivers who work for rideshare companies like Uber and Lyft. Rideshare insurance provides additional coverage when the driver uses their vehicle for business purposes, including when they are logged into the app and waiting for ride requests.

Key differences include:

Personal Auto Insurance:

• Covers accidents occurring during personal use of the vehicle.
• Does not apply when the driver uses the vehicle for commercial purposes, such as ridesharing.
• Does not provide coverage if the driver is transporting passengers for a fee.

Rideshare Insurance:

• Covers accidents that happen when a driver is logged into the rideshare app, even if they are not currently transporting a passenger.
• Provides higher liability coverage when the driver is on the way to pick up a passenger or is actively transporting one.
• May provide limited or no coverage when the app is off.

The key takeaway is that personal auto insurance typically does not cover rideshare activities, and relying on rideshare insurance is essential for adequate protection while driving for Uber or Lyft. 

Understanding these differences can help ensure you have the necessary coverage in case of an accident.

How Insurance Coverage Applies During Different Phases of a Ride

Insurance coverage during a rideshare trip varies depending on which phase of the ride the driver is in. The rideshare journey is typically broken down into three phases, each with distinct insurance coverage implications.

Phase 1 – App is On, Waiting for a Ride Request: During this phase, the driver is logged into the app but has not yet accepted a ride. Personal auto insurance usually does not cover accidents in this phase, as the vehicle is considered to be in commercial use. 

However, rideshare companies typically provide limited liability coverage during this time. This coverage often includes third-party bodily injury and property damage, but it may not cover damages to the driver’s own vehicle.

Phase 2 – Ride Accepted, En Route to Passenger: Once the driver accepts a ride request and is en route to pick up the passenger, rideshare insurance provides more comprehensive coverage. In this phase, the company’s insurance typically includes higher liability coverage, covering both the driver’s vehicle and any potential third-party damages. Personal insurance may still not apply.

Phase 3 – Passenger is in the Vehicle: After picking up the passenger, rideshare insurance is generally at its highest level of coverage. This phase usually includes full liability and comprehensive coverage, including both third-party injuries and damage to the driver’s vehicle.

Understanding how coverage works during each phase can help ensure adequate protection for both drivers and passengers in the event of an accident.

How Our Firm Helps Clients Navigate Insurance Disputes

At Flickinger Boulton Robson Weeks, we understand that navigating insurance disputes can be one of the most challenging aspects of a rideshare accident claim. Insurance companies often use tactics to minimize payouts, leaving victims feeling overwhelmed. Our team is here to guide you through the process and fight for the compensation you deserve.

We begin by thoroughly reviewing your case and identifying all available insurance coverage, ensuring that every potential source of compensation is explored. Depending on the phase of the ride, the insurance coverage varies, and we are experienced in understanding how it applies. We take the following steps to see that you get the proper compensation:

• Review all applicable insurance policies: We examine the driver’s personal and rideshare insurance to determine which policies apply during the accident.
• Handle negotiations: Our team manages communications with the insurance companies, addressing any delays or denials.
• Prepare for trial if necessary: If a fair settlement isn’t reached, we’re prepared to take your case to court to secure the compensation you deserve.

We are committed to fighting for your rights, handling the complex insurance negotiations on your behalf, and ensuring that you are fully compensated for your injuries and losses. With our expertise, you can focus on recovery while we advocate for your best interests.

How Our Firm Helps Clients Navigate Insurance Disputes

At Flickinger Boulton Robson Weeks, we understand that navigating insurance disputes can be one of the most challenging aspects of a rideshare accident claim. Insurance companies often use tactics to minimize payouts, leaving victims feeling overwhelmed. Our team is here to guide you through the process and fight for the compensation you deserve.

We begin by thoroughly reviewing your case and identifying all available insurance coverage, ensuring that every potential source of compensation is explored. 

Depending on the phase of the ride, the insurance coverage varies, and we are experienced in understanding how it applies. We take the following steps to ensure you get the proper compensation:

• Review all applicable insurance policies: We examine the driver’s personal and rideshare insurance to determine which policies apply during the accident.
• Handle negotiations: Our team manages communications with the insurance companies, addressing any delays or denials.
• Prepare for trial if necessary: If a fair settlement isn’t reached, we’re prepared to take your case to court to secure the compensation you deserve.

Flickinger, Boulton, Robson, Weeks, also known as Utah Injury Lawyers, serves clients from its offices in Provo and South Jordan, Utah. We are dedicated to providing personalized legal representation, ensuring each client receives the attention and advocacy they deserve. 

With a strong focus on achieving the best possible outcomes, their team leverages extensive experience in personal injury law to fight for fair compensation. Their commitment to client well-being is evident in their hands-on approach and unwavering dedication to justice.

We are committed to fighting for your rights, handling the complex insurance negotiations on your behalf, and ensuring that you are fully compensated for your injuries and losses. With our expertise, you can focus on recovery while we advocate for your best interests.