Uber & Lyft Accident Attorneys in Traverse City

Hurt in a Traverse City Rideshare Accident? call Us

Uber and Lyft offer convenient alternatives to traditional taxi services. However, these rideshare services come with risks. 

After a rideshare accident, you might have severe injuries, mounting medical bills, or an inability to work. You may also feel unsure about who is responsible for the damages and how to pursue compensation.

At Miller Embury PLLC, our Uber and Lyft accident lawyers guide you through the claims process and pursue compensation. Browse our track record of success for complex personal injury cases, and see how we put our years of experience into advocating for our clients.

Call our office today at (888) 224-1239 or contact us online to schedule a free consultation with one of our Traverse City, MI, rideshare accident attorneys.

What Is a Rideshare Accident?

A rideshare accident is a motor vehicle collision involving a car operated for a service like Uber or Lyft. In some areas, other rideshare companies like Via and Juno may also operate.

Rideshare crashes can be more complicated than other car accidents because drivers use their own vehicles commercially, which often triggers gaps in personal auto insurance coverage.

Uber and Lyft do provide insurance for their drivers, but the coverage level depends on whether the driver is actively carrying a passenger, waiting for a ride, or simply logged into the app.

When Is a Rideshare Driver Covered by Uber or Lyft Insurance?

Uber and Lyft offer insurance for their drivers, but the amount and type of coverage change depending on the driver's status in the app.

Uber Insurance Coverage

Uber provides the following insurance coverage for its drivers:

• Period 1: The driver is not logged into the Uber app. The driver’s personal auto insurance policy serves as the primary coverage.
• Period 2: The driver is logged into the Uber app and is waiting for a ride request. Uber offers liability coverage up to $50,000 per person, $100,000 per accident, and $25,000 for property damage.
• Period 3: The driver has accepted a ride request and is either en route to pick up the passenger or transporting the passenger. Uber provides $1 million in third-party liability coverage and contingent comprehensive and collision coverage, up to the actual cash value of the vehicle, with a $2,500 deductible.

Lyft Insurance Coverage

Lyft covers its drivers as follows:

• Period 1: The driver is not logged into the Lyft app. Personal auto insurance is the only policy in effect.
• Period 2: The driver has logged into the Lyft app and is waiting for a ride request. Lyft supplies liability coverage up to $50,000 per person, $100,000 per accident, and $25,000 for property damage.
• Period 3: The driver has accepted a ride or is transporting a passenger. Lyft provides $1 million in third-party liability coverage, uninsured/underinsured motorist (UM/UIM) coverage for injuries caused by uninsured or underinsured drivers, and contingent comprehensive and collision coverage (when the driver carries such coverage on their personal policy), all subject to a $2,500 deductible.

What to Do After a Rideshare Accident?

If you are in a rideshare accident, follow these key steps:

• Call 911: Report the accident to emergency services. Police will document the crash, and medical personnel can check for injuries. The official accident report supports your insurance claim.
• Seek Medical Attention: Visit a doctor promptly, even for minor or delayed injuries. Prompt care both protects your health and keeps a record for your claim.
• Exchange Information: Collect contact and insurance details from all involved drivers, including any rideshare insurance details from Uber or Lyft operators.
• Talk to Witnesses: Get witnesses’ contact information, as their statements may clarify how the accident happened.
• Take Pictures: Document the scene, vehicle damage, and any visible injuries with clear photos.
• Report the Accident to Uber or Lyft: Notify the rideshare company using their app or designated procedures. Give a brief, factual description of the event.
• Do Not Talk to the Insurance Company: Do not discuss the accident with insurance representatives until you have legal advice. Insurance adjusters might use your statements to minimize your claim.
• Call an Attorney: Consult a rideshare accident lawyer in Traverse City promptly for guidance on your rights and communications with insurers.

Who Is Liable for a Rideshare Accident?

In a rideshare accident, the driver, the rideshare company, or possibly a third party may be responsible for the crash. Coverage often depends on whether the driver was logged into the app or on an active ride. If so, Uber or Lyft’s insurance might apply.

You may file a claim against the company’s policy, but insurance providers frequently offer low settlements or challenge liability. Legal guidance helps protect your interests in these cases.

Rideshare companies can also face liability for negligent driver screening or failing to monitor vehicle maintenance. A third party that helps with maintenance sometimes bears responsibility as well.

Types of Damages Available in a Rideshare Accident Claim

Several types of compensation may be available after a rideshare accident, including:

• Medical expenses
• Lost wages
• Loss of earning capacity
• Property damage
• Pain and suffering
• Emotional distress
• Disfigurement
• Disability
• Loss of enjoyment of life
• Loss of consortium

Those who lose a loved one in a rideshare accident may seek damages for funeral and burial costs, lost income, and loss of companionship. Our compassionate rideshare accident lawyer in Traverse City can support you every step of the way.

Common Causes of Rideshare Accidents in Traverse City

Many rideshare accidents around Traverse City result from local traffic challenges. Congestion increases near downtown, especially along Front Street and Grandview Parkway, during large community events or tourist weekends. 

Common causes of rideshare accidents can include:

• Distracted driving
• Poor weather conditions
• Drowsy driving
• Speeding
• Inexperience

By understanding how these patterns affect local rideshare traffic, our team anticipates the most common issues when handling accident claims.

How Long Do I Have to File a Rideshare Accident Lawsuit in Michigan?

If you are hurt in a rideshare accident, you have a limited time to file a lawsuit, known as the statute of limitations. Missing this deadline may prevent you from recovering damages.

In Michigan, most personal injury lawsuits must be filed within three years of the accident. There are some exceptions, for example, cases involving government vehicles may have shorter notice periods.

Speak to a Traverse City Lyft accident attorney promptly after your accident. Legal guidance can help you understand how deadlines apply, file your case on time, and preserve vital evidence when filing within Traverse City’s local court systems.

How Our Rideshare Accident Lawyers Can Help

At Miller Embury PLLC, our Traverse City rideshare accident attorneys help you understand your legal rights and pursue the compensation you may deserve. We thoroughly investigate each collision, securing key evidence such as police reports, rideshare and auto insurance policies, and medical records. Our process is designed to assess every detail, from medical documentation to accident specifics.

Our Uber accident lawyer in Traverse City handles communications with insurance providers and negotiates for fair settlements that address your short- and long-term needs. If a settlement is not reached, we are prepared to advocate for you in court.

Contact Our Traverse City Rideshare Accident Attorneys Today

If you or a loved one was injured in a rideshare accident, you may qualify for compensation. We can review your case and explain your options during a free consultation. You owe no legal fees unless we recover compensation for you.

Call our office today at (888) 224-1239 or contact us online to schedule a free consultation with one of our experienced Traverse City rideshare accident lawyers.

FAQs

Do I need a police report for my rideshare accident in Traverse City?

A police report offers critical documentation and will support your insurance claim or legal case. In Traverse City, officers respond to public road accidents and prepare official reports you can later request.

Can I file a claim if I was a pedestrian struck by a rideshare vehicle?

Pedestrians injured by rideshare vehicles can pursue claims, depending on the details. Claim options depend on accident circumstances and policy terms.