Insurance Coverage in Sandy Rideshare Accidents

Don’t let insurance companies undervalue your claim. Our team is prepared to advocate for you every step of the way. Contact Flickinger Boulton Robson Weeks today and take the first step toward securing the compensation you deserve.

Rideshare services like Uber and Lyft have become a convenient way to travel around Sandy Utah, but when accidents happen, determining who is responsible for covering damages can be complex. 

Unlike traditional car accidents, rideshare collisions involve multiple insurance policies, including the driver’s personal insurance and the rideshare company’s coverage. Unfortunately, insurance companies often try to minimize payouts, leaving victims struggling to recover fair compensation.

At Flickinger Boulton Robson Weeks, we understand the challenges that come with filing a rideshare accident claim. Knowing your rights and the available insurance coverage for rideshare accidents is crucial, whether you were a passenger, a rideshare driver, or another motorist involved in the crash. Our experienced legal team is here to help you navigate the claims process, ensuring you receive the compensation you need for medical expenses, lost wages, and other damages.

If you or a loved one has been injured in a rideshare accident in Sandy, don’t let the insurance companies take advantage of you. Contact us today to discuss your case and learn how we can help you fight for the compensation you deserve.

Overview of Rideshare Insurance Policies in Sandy

Rideshare insurance policies are designed to provide coverage for drivers, passengers, and third parties in the event of an accident. However, these policies often involve multiple layers of coverage, which can make determining liability and securing compensation a complicated process.

Both Uber and Lyft provide corporate insurance policies, but these policies only apply when they are required to carry their own personal auto insurance. However, many standard policies exclude coverage when a driver is using their vehicle for commercial purposes. This coverage gap can create challenges when filing a claim after an accident.

Additionally, rideshare companies carry liability insurance that provides protection in cases where their driver is found at fault. This coverage is meant to compensate injured passengers, other motorists, and even pedestrians, but insurance companies often look for ways to limit payouts. 

In cases where an at-fault driver is uninsured or underinsured, rideshare companies may also provide supplemental coverage.

Understanding how these policies interact and knowing which one applies to your case is essential when seeking compensation. Working with an experienced attorney can help ensure you receive the full financial recovery you are entitled to after a rideshare accident in Sandy.

Differences Between Rideshare and Personal Auto Insurance in Sandy

Both rideshare and personal auto insurance policies serve distinct purposes, with key differences in coverage, policy limitations, and liability protections. While personal auto insurance is intended for everyday driving, rideshare insurance accounts for the commercial nature of transporting passengers, which creates unique coverage considerations.

Coverage Limitations

One of the biggest distinctions between these two types of insurance is that personal auto insurance typically does not cover accidents that occur during rideshare activities. 

Most personal policies have exclusions for “commercial use,” meaning if a driver is logged into a rideshare app or actively transporting a passenger, their insurer may deny coverage. Insurance coverage in Sandy rideshare accidents fills this gap by providing coverage when a driver is engaged in work-related activities.

Liability Coverage Differences

Rideshare insurance typically includes higher liability limits than personal auto policies. Personal insurance policies are designed for individual drivers using their vehicles privately, whereas rideshare insurance must account for the increased risks of transporting passengers.

Rideshare liability policies often cover:

• Medical expenses for injured passengers or third parties
• Property damage caused by the rideshare vehicle
• Legal claims arising from the accident

Additional Coverage Protections

Unlike personal auto policies, rideshare insurance often includes supplemental protections such as uninsured/underinsured motorist coverage. This helps protect passengers and drivers when an at-fault party lacks sufficient insurance.

Understanding these differences is essential for both drivers and accident victims. Consulting an experienced attorney can help clarify coverage issues and ensure that victims receive the compensation they deserve.

How Insurance Coverage Applies During Different Phases of a Ride

Rideshare insurance coverage varies depending on what phase of the ride the driver is in at the time of an accident. Since drivers use their personal vehicles for commercial purposes, different policies may apply depending on whether they are waiting for a ride request, en route to a pickup, or transporting a passenger.

When the Driver Is Offline

If a rideshare driver is not logged into the rideshare app, their personal auto insurance is the only coverage that applies. The rideshare company provides no protection during this phase, meaning any accident is handled like a regular car accident under the driver’s personal policy.

When the Driver Is Available or Waiting for a Ride Request

Once a driver is logged into the app and waiting for a ride request, limited rideshare insurance coverage kicks in. This typically includes:

• Liability coverage for injuries and property damage caused by the driver
• No coverage for the driver’s own injuries or vehicle damage unless they have rideshare-specific insurance

When the Driver Has Accepted a Ride or Has a Passenger

From the moment a driver accepts a ride until the passenger exits the vehicle, the rideshare company’s full insurance coverage applies, which usually includes:

• Up to $1 million in liability coverage
• Uninsured/Underinsured Motorist protection
• Contingent collision and comprehensive coverage (if the driver has personal coverage)

Understanding how these coverage phases work can help accident victims determine which insurance policy applies and seek the compensation they deserve.

How Our Firm Helps Clients Navigate Insurance Disputes

Dealing with insurance companies after a rideshare accident in Sandy can be frustrating, especially when insurers try to minimize payouts or deny claims. At Flickinger Boulton Robson Weeks, we help clients navigate complex insurance disputes, ensuring they receive the compensation they are entitled to.

Investigating the Claim

Insurance companies often dispute liability, downplay injuries, or shift blame to another party. Our legal team conducts a thorough investigation by:

• Gathering police reports, medical records, and witness statements
• Analyzing rideshare app data to determine the driver’s status at the time of the accident
• Consulting accident reconstruction specialists if needed

Handling Insurance Company Tactics

Insurers may delay, deny, or undervalue claims to protect their bottom line. We handle all communication with insurance adjusters, ensuring our clients don’t fall victim to common tactics such as:

• Pressuring victims into accepting low settlements
• Claiming a policy does not apply or shifting blame to another insurer
• Using recorded statements against the claimant

Negotiating for Maximum Compensation

Our attorneys aggressively negotiate with insurance providers to secure compensation for medical expenses, lost wages, and pain and suffering. If a fair settlement cannot be reached, we are prepared to take legal action to fight for our clients’ rights.

At Flickinger Boulton Robson Weeks, we understand the challenges of insurance coverage disputes in Sandy rideshare and are committed to advocating for accident victims every step of the way. Contact us today to discuss your case.