Over the past decade, rideshare companies have witnessed a notable rise in popularity, with services such as Uber and Lyft emerging as the industry leaders. The convenience of these services which offer a user-friendly experience has made them more attractive to users, particularly among the younger demographic, than traditional taxis. This rise in popularity has also increased the demand for rideshare drivers. This rise in demand has increased their numbers on the road and subsequently, has increased the risk of the occurrence of rideshare accidents.
Motor vehicle accidents involving Uber or Lyft drivers present a unique set of challenges and complexities that distinguish them from typical car accidents. In the unfortunate event of a rideshare accident It is essential to understand that, as a passenger, you cannot be held liable for any resulting damages or injuries. Being able to identify the appropriate party to file a claim against becomes crucial in the pursuit of fair compensation. Hiring an experienced Colorado Springs ridesharing car accident attorney that has a comprehensive understanding of the relevant legal framework will ensure your rights are protected and guide you easily through a potentially complicated legal process.
What Liability Insurance Coverage do Rideshare Drivers Have?
Rideshare drivers in Colorado Springs are independent contractors who use their own vehicles, make their own schedules and, like all drivers in Colorado, are required by law to carry liability insurance. However, the transportation network companies (TNC) that the rideshare drivers are affiliated with, like Uber and Lyft, are also required by Colorado law to carry liability insurance. The companies must carry commercial liability insurance for their drivers while they are on duty and since 2022, following the enactment of Colorado House Bill 22-1089, must also provide uninsured motorist coverage for drivers and passengers.
Rideshare Drivers Off Duty
The following is the minimum amount of liability insurance coverage required by all drivers in Colorado:
- $25,000 bodily injury or fatality of one person
- $50,000 total bodily injury or death liability
- $15,000 property damage per accident
This coverage will apply to any damages or injuries sustained in an accident with a rideshare driver during the personal use of their vehicle while off duty and not logged in to the Uber or Lyft app.
Rideshare Drivers On Duty
The TNC liability insurance will cover up to:
- $50,000 bodily injury per person
- $100,000 total bodily injury per accident
- $25,000 property damage per accident
This coverage will apply to any damages or injuries sustained in an accident with an on duty rideshare driver while they are logged in to the Uber or Lyft app waiting for a ride request.
Uber and Lyft also provide up to $1,000,000 in liability coverage In the event you are injured as a rideshare passenger or sustained damages or injuries in an accident with a rideshare driver while they are on route to pick up a passenger.
How Rideshare Accidents Can Happen
Experiencing an automobile accident can be a distressing and unsettling occurrence, especially when you were not at fault. Although it may be difficult to determine the cause of the accident, these are some contributing factors for rideshare accidents:
Speeding and Aggressive Driving – Rideshare drivers may be inclined to take on additional fares in order to increase their earnings, potentially resulting in speeding and reckless driving. They may engage in illegal turns, dangerous lane changes, and aggressive driving maneuvers with the objective of arriving at their destination in less time and, in turn, compromising their own and their passengers safety, including the safety of other motorists on the road.
Distracted Driving – Driving while distracted poses a substantial danger to road safety and is a leading cause of motor vehicle accidents. Rideshare drivers, in particular, face an increased risk of distraction due to their reliance on mobile apps to accept fares which can lead to severe and potentially devastating outcomes.
Driver Fatigue – Rideshare drivers often hold multiple jobs to supplement their income, with ridesharing serving as a part-time employment opportunity. However, it is not uncommon for drivers to experience fatigue due to overwork, potentially impacting their ability to drive safely. Fatigue can result in slower reflexes and reduced cognitive function, posing a risk to the driver, their passengers and other motorists. It is important to recognize the potential risks associated with driver fatigue and take appropriate measures to minimize them.
DUI & Drug-Impaired Driving – Alcohol, marijuana and other drugs, including illegal and prescription, can reduce the function of the brain, impairing thinking, reasoning and muscle coordination. All of these abilities are essential to operating a vehicle safely. If you suspect your rideshare driver of being under the influence of alcohol or drugs do not get in the vehicle, report them to their affiliated rideshare company and police immediately.
If you or someone is injured in a rideshare accident due to negligence, it is crucial to take legal action and highly recommend that you seek advice immediately from a knowledgeable Colorado Springs injury attorney. Regardless of whether or not you are at fault, they can offer you valuable guidance and help you navigate the legal process.
Who is Liable for a Rideshare Accident in Colorado Springs
In Colorado Springs, the party at-fault for causing the accident is held liable for damages. This means that either the at-fault driver or their insurance company will be responsible for paying for the damages incurred by everyone involved. For instance, if an Uber or Lyft driver causes an accident, both the driver and the company could be held responsible for the damages. The specific party held accountable depends on the circumstances surrounding the accident.
Can Both Parties Be Partially Liable?
Colorado operates under a comparative negligence system, meaning each party involved in the accident can be held liable based on the degree to which they were at fault. This means that you can only recover damages if you are found to be less than 50% at fault for the accident. If you are found to be 49% or less at fault, you can recover 51% of your damages. However, if you are found to be 50% or more at fault, you will not receive any compensation.
How Long Do I Have to File a Rideshare Accident Claim in Colorado Springs?
As per the Colorado statutes of limitation, if you are involved in an auto accident there is a period of three years to initiate a claim with the at-fault party’s insurance provider. It is essential to adhere to this time limit, the three-year statute commences on the day the accident occurred, and missing this deadline can have significant financial implications. Failure to do so may result in an inability to obtain compensation for injuries and other damages incurred as a result of the accident.
What Are The Benefits of Hiring A Colorado Springs Ridesharing Accident Attorney?
Dealing with a rideshare accident can be complicated. It’s important to hire an attorney that understands the laws related to these situations and all the complex moving parts involved. When you retain an injury attorney, you can focus on your recovery instead of the legal process. It’s worth noting that Uber and Lyft have a team of expensive lawyers on their side, so having a Colorado Springs ridesharing car accident lawyer on your side can be beneficial to help deal with any disputes and get the best possible outcome for your case.
Contact A Colorado Springs Ridesharing Car Accident Attorney
If you were involved in a Colorado Springs ridesharing accident caused by a negligent driver, you may be entitled to compensation. We understand the significant expenses and costs that can arise from a rideshare accident, and will never settle for an offer that does not adequately cover those expenses. Our team of highly skilled attorneys can provide you with the peace of mind you need and the expert legal representation you deserve. You can trust our experienced and accomplished Colorado Springs ridesharing car accident attorneys to fight for your legal rights, and help obtain for you the maximum settlement possible. Contact us today for a free consultation.