Typically, the driver who caused a car accident is held responsible for the resulting damages. But in the context of a rideshare accident, the liability can change. If the driver was on the clock when the accident happened and wasn't at fault, their employer might be responsible for covering the damages.
Given the complexity of determining fault in an accident, it's common for multiple insurance companies to get involved in the recovery process. If the rideshare driver is off-duty and is the one who caused the accident, they will likely be held liable for any damages. To seek compensation in this scenario, you must file a claim with the driver's insurance provider. Below are some potential parties and their liability:
- Non-Rideshare Driver: If the accident were caused by a driver not associated with the rideshare service, that driver would be liable for any resulting damages.
- Uber or Lyft Driver: Uber and Lyft require their drivers to carry private insurance. If the driver causes an accident, their insurance policy will provide coverage up to the state-mandated liability insurance limits. Arizona limits are $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage liability.
- Rideshare Company: Uber and Lyft have insurance policies with up to $1 million limits. These policies may apply when a driver is logged into the app and waiting for a ride request or when they are carrying a passenger. The limits for the coverage differ based on if the driver waits for a ride request; the coverage is up to 50/100/25, and the range is up to $1 million when the driver carries a passenger.
- Third-Party: There are instances where a third party could be at fault, such as the local government if road conditions were hazardous or the car manufacturer if a defect contributed to the crash.
Working with a skilled lawyer is crucial when determining liability for an Uber or Lyft accident in Phoenix. To build a compelling case, you and your attorney must conduct a thorough investigation that involves collecting evidence and witness accounts, among other things. This process aims to establish a clear picture of the parties involved and determine who was negligent.
It's important to remember that if multiple parties are found responsible for the accident, they will be required to pay damages according to their percentage of fault. This means that if you were not at fault, you could receive compensation from all parties responsible for the accident.