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Ridesharing is popular in Fresno and throughout Central California. Uber and Lyft are the two main platforms. When ridesharing can be convenient, there is a risk of accidents. Notably, the claims process for these cases can be exceptionally complicated. Ridesharing drivers operate in a unique legal landscape that differs from traditional motorists. When an accident occurs, determining liability can be complex, involving personal insurance policies, ride-share company coverage, and even third-party claims. Within this article, our Fresno auto accident attorney provides a guide to navigating the legal maze of ridesharing crash claims in California.
Know the Law: Ridesharing Insurance Regulations in California
The California Department of Insurance enacted specific insurance regulations for ridesharing services, including Uber and Lyft. These companies are required by law to ensure that all of their drivers have adequate liability coverage. Ridesharing companies in California are referred to as “Transportation Network Companies” or “TNCs.”
When the app is off, the driver’s personal auto insurance applies. They are not covered by California’s ridesharing law. Once the app is on but no ride is accepted, the TNC (Uber or Lyft) must provide some limited liability coverage. When a ride is accepted, the full ridesharing commercial coverage will always apply. That means at least $1 million in liability protection in California.
How to Navigate the Maze of Liability After a Ridesharing Crash
Ridesharing accidents can be complex. It can feel like a difficult, challenging maze that needs to be carefully navigated. There are often multiple parties—and layers of insurance coverage—that can apply. If you were injured in an Uber or Lyft crash, understanding both liability and insurance is essential for securing full and fair financial compensation. Here are key steps to take:
- Identify Your Role in the Crash: Your legal options depend on whether you were a rideshare passenger, another driver, a pedestrian, or the rideshare driver. Each scenario has different liability implications and different insurance implications.
- Determine the Rideshare Driver’s Status: Rideshare insurance coverage varies based on the driver’s status at the time of the accident. If the app is off, the driver’s personal insurance applies. If the app was on but no ride was accepted, liability coverage applies. However, if a ride was accepted and/or a passenger was in the vehicle, the ridesharing company may provide at least $1 million in coverage.
- Consult With a Fresno Lawyer: Unfortunately, rideshare companies and insurers may dispute liability. An experienced Fresno personal injury attorney can advocate for full compensation. Your attorney can help you receive what you are entitled to under California law.
Contact Our Fresno Ridesharing Accident Attorney Today
At Nunes Law, Inc., our Fresno ridesharing accident lawyer, is standing by, ready to protect your rights and your interests. If you or your loved one was hurt in a ridesharing crash, we are here to help. Contact us right away for a free, no-obligation case review. With an office in Fresno, our firm handles ridesharing accident claims throughout all of Central California.
