If you’re a rideshare driver, you know the “periods” and how those dictate the coverage if you encountered an accident. If you get into an accident during periods 2 or 3, you’re covered but are subjected to Lyft’s $2,500 deductible.
Independent contractors do not realize that ridesharing companies contract out their insurance services. This means that while you may contact Lyft after an accident, another company will serve your insurance needs. They also have their own insurance adjusters.
If you get into an accident with a ridesharing vehicle, you may file for lost wages, medical bills, property damage, and more.
What Can Drivers Do?
Most independent contractors of ridesharing companies know that they are covered. What they don’t know is how long the settlement case will take. Here are some of the tips that drivers can do in case they encountered an accident while driving a passenger to their destination:
Most claims take a while to be processed.
Keep multiple copies of everything
Once you have copies of police reports, witness statements, insurance information of the other person, communication with the insurance company, make sure that you have multiple copies of everything. The insurance companies may ask you to send the same information numerous times.
Follow up on your claims. Reach out to the insurance company about your claim. The insurance company wants you to give up and accept the first low offer, or you go away entirely. Be persistent and polite at the same time.
Share your story
Share your story so other people will know and learn from your experience.
If you get into an accident while driving for Lyft, take pictures of everything if you can. Call 911 at once and contact a legal counselor to help you with your case. The legal counselor will advise you on what documents you needed for your claims.