What to Do If You’re Injured In A Rideshare Accident In St. Louis, MO

Sansone & Lauber | | Personal Injury Blog

Rideshare services like Uber and Lyft have become a convenient and popular mode of transportation in St. Louis, MO.

However, with the increase in rideshare usage comes a higher likelihood of accidents.

If you find yourself injured in a rideshare accident, it’s crucial to know the steps to take to protect your rights and ensure you receive the compensation you deserve.

Immediate Steps to Take After the Accident

  1. Ensure Safety and Seek Medical Attention
    • The first priority after any accident is safety. If you can, move to a safe location away from traffic. Check yourself and others for injuries. Even if you feel fine, it’s important to seek medical attention immediately. Some injuries may not be immediately apparent but could have serious long-term effects.
  2. Call the Police
    • Report the accident to the police. A police report is a vital piece of documentation that will provide an official record of the accident. Be sure to provide accurate and detailed information to the officers.
  3. Document the Scene
    • If possible, take pictures of the accident scene, vehicle damage, and any visible injuries. These photos can serve as crucial evidence later. Also, gather information from all parties involved, including names, contact details, and insurance information. Don’t forget to get the rideshare driver’s details and the rideshare company’s contact information.
  4. Report the Accident to the Rideshare Company
    • Notify the rideshare company about the accident through their app or website. Uber and Lyft have specific protocols for handling accident claims, and reporting promptly ensures your case is logged in their system.
  5. Gather Witness Information
    • If there were any witnesses to the accident, obtain their contact information. Witness statements can be incredibly valuable in supporting your version of events.

Understanding Insurance Coverage

Rideshare companies typically provide insurance coverage for accidents involving their drivers. The coverage can vary depending on the circumstances:

  1. Driver’s App is Off
    • If the driver was not logged into the rideshare app at the time of the accident, their personal auto insurance will apply.
  2. Driver’s App is On (No Passenger)
    • If the driver is logged into the app and waiting for a ride request, Uber and Lyft provide contingent liability coverage, which kicks in if the driver’s personal insurance doesn’t cover the accident.
  3. Driver is En Route or Has a Passenger
    • When the driver is on their way to pick up a passenger or has a passenger in the car, Uber and Lyft provide up to $1 million in liability coverage, along with additional coverage for uninsured/underinsured motorists and contingent comprehensive and collision coverage.

Navigating the Claims Process

  1. Consult a Personal Injury Lawyer
    • Rideshare accident cases can be complex, involving multiple parties and insurance companies. Consulting with an experienced personal injury lawyer in St. Louis can help you navigate the legal process and ensure your rights are protected. A lawyer can assist with gathering evidence, negotiating with insurance companies, and representing you in court if necessary.
  2. File an Insurance Claim
    • With the help of your attorney, file a claim with the appropriate insurance company. This could be the rideshare company’s insurer or the at-fault driver’s insurance. Your lawyer will help determine the best course of action based on the specifics of your case.
  3. Keep Detailed Records
    • Maintain thorough documentation of all medical treatments, expenses, and any correspondence with insurance companies. Detailed records will support your claim and help you receive the compensation you deserve.

Conclusion

Being injured in a rideshare accident can be a stressful and overwhelming experience.

By following these steps and seeking the assistance of a knowledgeable personal injury lawyer in St. Louis, MO, you can protect your rights and work towards a fair resolution.

Remember, you don’t have to navigate this challenging time alone – professional legal help is available to guide you through the process and fight for the compensation you need to recover.