Michigan has recently seen an unprecedented boom in rideshare services such as Uber and Lyft, revolutionizing how people commute within cities and beyond. While RideShare usage offers convenience and accessibility, its increase has brought forth unique challenges relating to auto accidents; knowing these legal nuances is paramount to receiving fair compensation in such incidents.
Understanding RideShare Car Accidents: What You Should Know
Compared to typical car accidents, RideShare incidents add another level of complexity due to their involvement of third parties such as ridesharing companies.
Michigan law considers RideShare drivers independent contractors rather than employees of these businesses, and this distinction has significant ramifications when assessing liability in case of an incident.
Insurance Coverage
RideShare companies must offer drivers insurance protection; however, its availability depends upon their status in the RideShare app:
If drivers cannot accept ride requests, their auto policy applies instead.
When drivers are available and ready to accept ride requests but have yet to accept one, RideShare companies typically apply contingent liability coverage that is generally less extensive than what would use during active rides.
Once a driver accepts and transports a passenger, their RideShare company’s commercial insurance policy provides higher coverage limits than what would generally apply.
Determining Liability in RideShare Accidents
Establishing liability can be a complex process in RideShare auto accidents. At-fault may fall on either of two parties involved–whether that means the RideShare driver themselves, another motorist involved, or both parties combined.
RideShare companies might attempt to shift blame away from themselves, further complicating claims processes.
Assimilation into the Claims Process
If you find yourself involved in a RideShare auto accident in Michigan, here are a few key steps you must follow to take:
Before any injuries become more serious, seek medical assistance immediately – no matter how minor they seem.
Report the Accident
Notify the police immediately of an accident to obtain a complete and official accident report for future reference when filing insurance claims. This documentation may prove crucial later.
Gather Information
Collect all parties involved, witness contact info, and take pictures of the scene, including vehicle damage and license plate numbers.
Report the Incident to RideShare Company
As a passenger, report incidents using the RideShare app; they’ll guide you on the next steps.
Consult an Attorney
With so much at stake in RideShare accidents, consulting with an experienced personal injury attorney who understands these incidents can be immensely useful in protecting your rights and fighting for maximum compensation.
Michigan RideShare auto accidents pose unique difficulties that necessitate an extensive knowledge of state laws and insurance regulations, particularly concerning ride-hailing companies such as Lyft or Uber being involved, along with differing approaches between personal and commercial policies complicating claims processes further.
At any point during a RideShare auto accident, legal advice should always be sought to safeguard and secure one’s rights and seek fair compensation for damage and injuries suffered. By remaining informed after an incident and following proper procedures post-collision, individuals can work toward equitable payment recovery.
If you own a rideshare vehicle or have been involved in an accident, it is crucial to have all your bases covered. Consult an experienced insurance professional or attorney to navigate any complexities and make informed decisions regarding your coverage during this challenging time.
Haque Legal is always here to help. While this article is not legal advice and should not be taken as such, your first consultation is free, so schedule your appointment today!