What Happens if You’re Injured in a Rideshare Accident in Colorado?

Rideshare services have become a convenient part of daily life, with apps like Uber and Lyft simplifying travel in cities from Denver to Commerce City. However, with the rise of rideshare use comes the potential for accidents. If you find yourself injured in a rideshare accident, understanding your rights and knowing what steps to take can make a significant difference. This article explains the process for handling injuries in rideshare accidents in Colorado, your legal options, and the coverage available to protect you.

Introduction: The Complexity of Rideshare Accidents

Rideshare accidents can be more complex than standard car accidents due to the involvement of third-party drivers, rideshare companies, and multiple insurance policies. Whether you’re a passenger, driver, or pedestrian involved in an accident in Aurora or Westminster, understanding the unique challenges of these incidents is essential to protect your rights.

Who Covers Your Injuries in a Rideshare Accident?

1. Rideshare Insurance Coverage
Both Uber and Lyft provide specific insurance policies that cover drivers and passengers under certain conditions. This coverage depends on what the driver was doing at the time of the accident:

• When the Driver is Logged Out: The driver’s personal insurance is the only coverage available.
• When the Driver is Logged In but Has Not Accepted a Ride: The rideshare company’s contingent liability coverage may apply if the driver’s insurance does not.
• When the Driver is En Route or Transporting Passengers: The rideshare company’s commercial insurance policy, which can include up to $1 million in liability coverage, generally applies.

Example Scenario: A rideshare passenger in Broomfield is injured when their driver is rear-ended by another vehicle. Because the driver was actively transporting a passenger, the rideshare company’s $1 million policy is likely to cover medical expenses and damages.

What to Do Immediately After a Rideshare Accident

1. Ensure Safety and Seek Medical Attention
Your health and safety are the top priority. Call 911 if there are serious injuries and seek immediate medical attention. Document your injuries and medical visits, as this information is crucial for any future claims.

2. Collect Information
Gather relevant details from the scene, including:

• Names and contact information of all drivers involved
• License plate numbers
• Insurance information for all vehicles
• Witness contact information

Taking photos of the scene, vehicle damage, and road conditions can also provide valuable evidence for your claim.

3. Report the Incident to the Rideshare Company
Both Uber and Lyft have in-app options for reporting accidents. It’s important to notify the company as soon as possible, as this helps initiate the insurance process.

Filing an Insurance Claim

1. Determining Fault
In Colorado, the at-fault driver’s insurance typically covers the damages. However, if the rideshare driver is at fault, the rideshare company’s insurance may cover medical expenses and other damages, depending on the situation.

2. Working with Multiple Insurance Policies
Rideshare accidents often involve multiple insurance policies, which can make the claims process more complicated. A passenger injured in a rideshare accident in Denver, for example, may need to deal with the rideshare company’s insurance as well as the insurance of other drivers involved.

3. Uninsured/Underinsured Motorist Coverage
If the at-fault driver is uninsured or underinsured, the rideshare company’s policy typically includes uninsured/underinsured motorist coverage to protect passengers.

Legal Steps to Take if You’re Injured

1. Consult an Attorney
Navigating a rideshare accident claim can be challenging due to the involvement of multiple parties and insurance providers. Consulting an experienced attorney who understands Colorado’s rideshare regulations can help ensure your rights are protected and that you receive fair compensation.

2. Avoid Quick Settlement Offers
Insurance companies may offer quick settlements that do not fully cover your medical expenses or long-term damages. An attorney can help evaluate the true value of your claim and negotiate on your behalf to secure a fair outcome.

3. Document Everything
Keep a record of all medical visits, communications with insurance companies, and expenses related to your injury. This documentation strengthens your claim and ensures that all aspects of your recovery are accounted for.

Example Case: The Importance of Insurance

A passenger in Aurora sustained injuries in a rideshare accident when the rideshare vehicle was hit by a speeding car. Although the at-fault driver’s insurance covered some expenses, it was insufficient for the passenger’s long-term care. The rideshare company’s uninsured/underinsured motorist coverage provided additional compensation, covering the passenger’s remaining medical costs and lost income.

Conclusion: Be Prepared and Protect Your Rights

Being involved in a rideshare accident can be a stressful experience, but understanding the steps to take can make a significant difference in protecting your rights and ensuring you receive the compensation you need. If you or someone you know has been injured in a rideshare accident in Colorado, consulting with an experienced attorney and understanding your coverage options are key to navigating this complex situation confidently.

FAQ

1. Who pays for my medical bills if I’m injured in a rideshare accident?
The rideshare company’s insurance may cover your medical expenses if the driver was en route or transporting passengers. Otherwise, the at-fault driver’s insurance is responsible.

2. What if the rideshare driver is at fault?
If the rideshare driver is at fault, the company’s commercial insurance coverage typically applies to compensate for passenger injuries.

3. Can I sue the rideshare company directly?
Generally, you would file a claim with the rideshare company’s insurance. Suing the company directly is rare unless gross negligence is involved.

4. Should I accept the first settlement offer from an insurance company?
It’s advisable to consult with an attorney before accepting any settlement, as initial offers may not fully cover your expenses and damages.

5. What should I do if the at-fault driver doesn’t have insurance?
Most rideshare companies have uninsured/underinsured motorist coverage that can cover your expenses if the at-fault driver lacks sufficient insurance.