What Happens If an Uber or Lyft Driver Hits a Cyclist? Legal Recourse Explained
Rideshare services like Uber and Lyft have become a staple in modern living, offering convenience for millions of commuters. However, with this convenience comes an increase in road accidents involving rideshare vehicles, including collisions with cyclists.
If you’re a cyclist involved in an accident with an Uber or Lyft driver, understanding your legal options can make a significant difference in your recovery process—both physically and financially.
This guide breaks down what you need to know about such accidents, including liability, insurance policies, and how a Baltimore bicycle accident lawyer or Baltimore Uber accident lawyer could assist you in seeking compensation.
Understanding Liability in Rideshare Accidents
Liability in rideshare accidents can be more complex than in regular car accidents. When an Uber or Lyft driver hits a cyclist, determining who is responsible often depends on the circumstances of the accident and the driver’s status in the rideshare app at the time.
Uber or Lyft Driver Status and Insurance Coverage
Rideshare companies like Uber and Lyft classify their drivers as independent contractors, not employees. This distinction impacts who is responsible for covering accident-related damages. Liability often hinges on which “period” the driver is in when the accident occurs:
- App Off (Period 0): If the rideshare driver is not logged into the app at the time of the accident, the driver’s personal car insurance applies. Uber or Lyft is not liable in this instance.
- Waiting for a Ride Request (Period 1): When the driver is logged into the app but has not accepted a ride, Uber and Lyft provide limited liability coverage. This includes up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
- En Route or During a Ride (Periods 2 and 3):
- Uber and Lyft provide at least $1,000,000 for third-party auto liability coverage (in most markets).
- Additional first-party coverages may include uninsured/underinsured motorist coverage, Personal Injury Protection (PIP), MedPay, and Occupational Accident coverage.
- If the driver has comprehensive and collision coverage on their personal auto policy, Lyft maintains contingent comprehensive and collision coverage up to the actual cash value of the car ($2,500 deductible).
- Exceptions: In Maryland, Lyft maintains $125,000 for third-party liability insurance while the driver is en route to pick up a passenger. In New York City, Lyft does not provide liability coverage, as TLC drivers are required to procure their own commercial auto policies.
Understanding which period the driver was in is crucial in determining which insurance policy applies to your claim.
Who Is Responsible for Compensation?
Liability can fall on one or more parties depending on the circumstances:
- The Driver if negligent driving caused the accident, such as speeding or running a red light.
- Rideshare Companies for incidents occurring during active rideshare periods (Periods 2 and 3, or partially during Period 1).
- Other Parties if road conditions, defective bicycle components, or other motorists contributed to the accident.
Steps to Take If You’re Hit by an Uber or Lyft Driver
A bicycle accident can be disorienting, but taking the following steps can help protect your right to compensation:
- Assess Your Injuries and Seek Medical Attention
- Your health comes first. If you’re severely injured, call 911. Even minor injuries should be evaluated by a doctor.
- Collect Evidence
- Record the driver’s name, contact information, and insurance details.
- Note whether the driver was logged into a rideshare app.
- Take photos of your injuries, damaged bicycle, and the accident scene.
- Gather contact information of any witnesses.
- File a Police Report
- A police report can play a crucial role in determining liability.
- Notify Uber or Lyft
- Report the accident to the rideshare company involved. However, be cautious, as they may prioritize their own interests.
- Consult a Lawyer
- Navigating a bicycle accident involving a rideshare driver can be overwhelming. A Baltimore bicycle accident lawyer or a Baltimore Uber accident lawyer like Nicholas A. Parr can help you understand your rights, negotiate with insurance companies, and pursue legal action if needed.
Common Damages Cyclists Can Claim
Bicycle accidents often lead to significant injuries and damages. Your compensation can cover various types of losses, including:
Medical Expenses
This includes emergency room visits, surgery, ongoing physical therapy, and other medical treatments.
Lost Wages
If your injuries prevent you from working, you can claim lost wages, as well as potential future income if the injuries result in long-term disability.
Pain and Suffering
Cyclists may be entitled to compensation for physical pain, mental anguish, and emotional distress resulting from the accident.
Property Damage
This covers repair or replacement costs for your damaged bicycle, gear, and other personal belongings.
Punitive Damages
If the driver’s behavior was egregiously negligent, punitive damages may be awarded to punish them and deter similar future actions.
Why Hiring a Lawyer Is Essential
When faced with medical bills, lost income, and insurance companies offering lowball settlements, the expertise of a dedicated lawyer can be invaluable.
What a Baltimore Bicycle Accident Lawyer Can Do for You
A Baltimore bicycle accident lawyer specializes in handling claims specific to bicycle accidents, understanding Maryland traffic laws and cyclists’ rights. They can help by:
- Investigating your accident thoroughly.
- Establishing liability through evidence collection.
- Negotiating maximum compensation with insurance companies.
- Representing you in court if a fair settlement isn’t reached.
How a Baltimore Uber Accident Lawyer Can Help
Similarly, a Baltimore Uber accident lawyer can address the unique challenges posed by rideshare accidents. They’ll ensure that Uber or Lyft’s coverage policies are fully leveraged for your claim and that the rideshare company is held accountable if necessary.
Take Action to Protect Your Rights
An accident with an Uber or Lyft driver can upend your life, leaving you dealing with injuries, financial strain, and immense stress. However, you don’t have to handle this alone. From gathering evidence to negotiating compensation, taking the right steps can make all the difference in your recovery.
Consulting an experienced lawyer is one of the most critical actions you can take. Whether you require a Baltimore bicycle accident lawyer or a Baltimore Uber accident lawyer, professional legal guidance can help you secure the justice you deserve.
Contact The Law Offices of Nicholas A. Parr Today!
If you’ve been injured in an accident involving an Uber or Lyft driver, The Law Offices of Nicholas A. Parr is here to help.
With years of experience handling bicycle and rideshare accident cases, our team is dedicated to protecting your rights and securing the maximum compensation you deserve. Don’t face this challenging time alone—let us fight for justice. Contact us today to schedule a no-obligation consultation.
Remember, time is critical in accident cases, so don’t delay—reach out now and take the first step toward your recovery.
