St. Louis Lyft Accident Lawyer

An accident with a Lyft driver can perplex you, as the ridesharing laws are complex and ever-changing. Whether you were a passenger or were hit by a Lyft driver, you need help from a team of attorneys who understand the subtleties of the Lyft world.

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Rideshare Is Here to Stay

Ridesharing options like Lyft have become commonplace in today’s society. And it’s easy to see why: these services provide affordable and convenient transportation. There are over 23 million Lyft users and about 1.4 million drivers, which will likely increase in the following years.

However, as more and more people start to use ridesharing apps like Lyft, the risks of getting into a car accident increase significantly.

The problem with Lyft accidents is that victims often have no idea how to proceed. 

Understandably, negotiating with insurance companies and understanding the intricacies of the laws can feel overwhelming. That’s why you should consider working with a St. Louis Lyft accident attorney to help you get through this challenging moment.

What to Do Immediately After a Rideshare Accident

The Lyft ridesharing platform created a step-by-step process to assist riders in reporting an accident. If you are a rider on Lyft, navigate to the in-app safety center. The Safety Center, among other functions, allows the rider to dial 911 and alert the rideshare platform that an accident has occurred. Once a rider has accessed the safety center and dialed 911, the Lyft rideshare team will guide you through the next steps in reporting the accident or collision. 

Who Is Liable?

Determining liability after a Lyft car accident can be challenging. The drivers are generally considered independent contractors, so you likely can’t hold the company liable by default. The company won’t be considered responsible if the driver wasn’t logged into the app and collided with you. Rideshare drivers must carry personal injury insurance and uninsured motorist coverage for these events.

If the driver was logged into the app but hadn’t accepted a ride yet when the accident occurred, the company might take the blame. Lyft carries policies of $50,000 for injuries, $25,000 for property, and $100,000 total.

Lastly, the company will claim liability if the driver was on their way to pick someone up or got in a collision while they had a passenger in the car.

Does my insurance cover me when I’m a passenger in a Lyft car accident?

The legal world of ridesharing can be complex to understand, particularly regarding insurance. For example, I’m wondering: Am I covered by your medical insurance policy or even my car insurance policy if I’m injured while riding in a Lyft?

You’re Generally Covered by Lyft’s Insurance Policy During Your Ride

The way insurance works for Lyft and Uber drivers is quite complex – they have different coverage levels depending on whether they’re driving to pick up a rider, have a rider in their car, and so on.

However, all you need to know is that during your Lyft ride, you are generally covered directly by Lyft’s insurance policies. Even if your driver has auto insurance, Lyft typically covers the ride. 

The coverage limits for Lyft insurance are relatively high, too. Both companies insure riders for up to $1 million in coverage. If you have been injured in a serious Uber or Lyft accident, you can typically pursue a settlement from Lyft, thanks to this policy. 

Covering Medical Expenses

If you are ever injured while riding in a Lyft, you may wonder if the rideshare company will cover your medical costs immediately. The answer is usually “no.” Whether or not you have medical insurance, you will usually have to pay the costs of your medical care. 

After your injury and accident, it’s a good idea to speak with an experienced Lyft car accident attorney as soon as possible and begin negotiating with Lyft insurance companies for a settlement – about 97% of civil cases are resolved with a payment. 

This is generally how you will obtain the money to pay off the medical costs incurred during your accident and get compensation for pain and suffering, lost income, and other damages. 

Note, also, that part of your settlement may have to go toward paying medical expenses due to a process known as “subrogation.” Your medical insurance company may have a claim to part of your settlement after it’s been issued as compensation for the costs incurred during your medical treatment.

Common Injuries in Lyft Accidents

Each accident is unique. In some cases, those involved in a St. Louis Lyft Accident may only face seemingly minor injuries. However, others often face severe injuries requiring ongoing treatment and surgery. Common Lyft car accident injuries include:

• Broken bones & fractures: Broken bones often require time off work and surgery.
• Whiplash: Whiplash generally refers to an injury to the muscles, tendons, and ligaments found inside the neck. It is common in rear-end collisions and may require costly surgery and long-term rehabilitation.
• Traumatic Brain Injury: A traumatic brain injury is a head injury that disrupts the brain’s normal function. While some brain injuries are relatively minor, others are life-changing. Even seemingly minor car accidents can cause severe brain injury.
• Herniated Disc: A herniated disc is often the result of back trauma in a car accident. It can cause severe pain and complications and may require surgery.
• Spinal Cord Injury: A spinal cord injury is among the most devastating injuries a car accident may suffer and may even result in permanent paralysis.

While some injuries are readily apparent after an accident, others may seem minor at first but worsen if left untreated or undiscovered. Even if you feel okay after an accident, seeking medical attention is a good idea.

A Lyft Accident Attorney Can Help You Get The Compensation You Deserve and Are Legally Entitled To

Because there’s typically no way to go back and challenge a settlement, the Lyft insurance company will generally lowball you when providing you with your first compensation offer. Therefore, working with a St. Louis Lyft accident attorney will significantly benefit you.

An experienced car accident injury attorney will be able to learn the specifics of your case, ensure that you have all the documentation you need to prove your injuries and seek adequate compensation from Lyft’s insurance company.

Your lawyer will walk you through every step of the process, work to submit counter-offers, and ensure you get the compensation you are legally entitled. If the settlement is not acceptable, your attorney can assist you as your case goes to trial. 

Get Legal Help Now

Ridesharing laws are still developing, and the process can get quite confusing. You will get a call from Lyft representatives, and if you are not working with a lawyer, you may unintentionally hurt your case. These adjusters seem well-intentioned, but their job is to look for any detail that might help them lower the amount of compensation.

Our lawyers have been paying close attention to how these cases develop and have dealt with Lyft accidents successfully.

We can help you get the total amount of compensation you are entitled to for the following:

• Property damage
• Pain and suffering
• Present and future medical bills
• Loss of income
• Loss of normal life

While $1 million may sound like a lot, there’s no guarantee you’ll get that much after a severe Lyft accident, so you should ensure your rights are protected by speaking with an attorney with experience with Lyft car accident cases.

Your attorney can help you understand the process of getting a settlement, negotiate a settlement that makes sense for your situation, and maximize your payout after a serious Lyft injury.

Stay Safe When Hiring a Lyft

Ridesharing has become a mainstream alternative to expensive taxis, inconvenient public transportation, or the costs and hassle of driving your car. Ridesharing is quite popular amongst the young, but it appeals to anyone who wants an affordable ride.

While ridesharing through well-known apps like Lyft has been relatively safe so far, there are still risks to be considered when deciding to be driven by a stranger. If you are a ridesharing user, you must be aware of specific safety concerns and ways to prevent dangerous situations.

Checking Your Driver’s Information Before Getting in the Car

Ridesharing apps connect drivers and passengers through a mobile app that allows them to exchange identifying information. You will get the driver’s first name, the car’s model, and license plate, and they will get details about you. This should become a habit, as tragic events like the murder of Samantha Josephson in March 2019 seem to take place recently.

Drivers are equally preoccupied with their safety, so don’t be surprised if you have to say who the ride is for when approaching the car.

Sharing Your Ride’s Detail with a Close Person

When taking a ride, it’s a good idea to let someone know where you are and the car’s license plate and model. This may seem extreme, but documenting details like that can make a huge difference if something terrible happens.

Being Prepared to Call 911 When You Notice Something Suspicious

If you feel threatened or consider the driver a danger to himself or others, don’t hesitate to call 911. Some ridesharing apps have a “panic button” integrated into them, which helps you dial the emergency number faster and share location details with the responding teams.

Wear Your Seatbelt with No Exception

Always wear your seat belt no matter where you sit in your ride, how short of a distance you will go, or how free the road seems. If children accompany you, make sure you order a car fitted with a proper child restraint system or that you have one with you. Road safety is crucial for any car passenger, and it’s your responsibility to use the safety features in the car.

Ride in the Backseat of the Car

Generally, when riding with a stranger, riding in the backseat of the car is most cautious. This way, you will be more protected in an eventual attack. It’s also safer to choose the back seat in case of an accident.

When using a ridesharing service, remember to consider two safety issues: road and personal safety. Make cautionary steps part of a routine and never have second thoughts about being “over the top”: you never know when these rules will save you.

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Frequently Asked Questions About St. Louis Lyft Car Accidents

What should I do immediately after being involved in a Lyft car accident in St. Louis?

Ensure your safety and the safety of others first. If you can, move to a safe location. Call 911 to report the accident and request medical assistance if needed. Exchange information with the other driver, and make sure to get the Lyft driver’s information. Take pictures of the scene if you’re able to.

How is a Lyft car accident different from a regular car accident?

Lyft car accidents involve a ridesharing service, which means there may be additional insurance policies in play. Lyft provides its drivers with a company insurance policy that may cover damages and injuries, but this coverage is contingent upon the status of the Lyft driver at the time of the accident.

Who is liable in a Lyft car accident?

Liability in a Lyft accident can be complex. It may lie with the Lyft driver, another driver, the company itself, or a combination of parties. It often depends on whether the Lyft driver was logged into the app and carrying a passenger, waiting for a ride request, or driving for personal reasons.

What kind of compensation can I claim if I’m involved in a Lyft accident?

You may be entitled to compensation for medical bills, lost wages, pain and suffering, and other damages. The exact compensation will depend on the specifics of the accident and the extent of your injuries.

Should I talk to Lyft or their insurance company after the accident?

It’s important to be cautious when speaking with Lyft or insurance adjusters. They may try to minimize your claim. It’s often wise to consult with a car accident lawyer who has experience with Lyft cases in St. Louis before giving detailed statements or accepting any settlements.

How long do I have to file a lawsuit after a Lyft accident in Missouri?

In Missouri, the statute of limitations for personal injury claims is generally five years from the date of the accident. However, it’s best to start the process as soon as possible to ensure that evidence is preserved and your claim is filed in a timely manner.

Do I need a lawyer for a Lyft car accident case?

While you’re not required to have a lawyer, having one can be beneficial. A lawyer with experience in Lyft accidents can navigate complex insurance issues, advocate for your best interests, and help maximize your compensation.

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