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St. Louis Rideshare Accident Attorney

When you suffer injury in a Lyft, Uber, or other rideshare vehicle in MO and IL

With ridesharing companies continuing to grow in popularity, more Ubers and Lyfts are rolling out on our streets and creating new risks for drivers. While this has certainly transformed the transportation industry, the resulting accidents have created a new form of accountability that requires unique interpretations of the law. Assigning liability for these crashes can be complicated and you need an attorney who understands the complexities of these types of cases.

At The Hayden Law Firm, we are at the forefront of this quickly-growing area of personal injury, working to secure compensation for victims of rideshare crashes and collisions. If you or a loved one were injured in an accident with an Uber or Lyft, we can help. Contact us today for a free, no-risk consultation. We serve the greater St. Louis area and Illinois.

What causes Uber and Lyft accidents?

The popularity of rideshare apps has also been associated with a rise in deadly vehicle crashes. According to researchers at the Becker Friedman Institute, app-based ridesharing services have accounted for a three percent annual increase in traffic-related fatalities since their introduction in 2011. That equates to roughly 987 deaths each year.

These accidents could be for a number of reasons including distracted drivingbad weather, or driving under the influence, but another common reason is reckless driving and speeding. Uber and Lyft drivers are paid according to how many rides they give during a shift. Put simply, the more riders they move, the more money they are paid, which is why they may be in a rush to move from one ride to the next. Some negligent drivers may not adhere strictly to the rules of the road, even when they are responsible for the lives of the people in their backseat.

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What types of rideshare accidents does your St. Louis firm handle?

We provide representation for property damage, injuries, and wrongful death as a result of ridesharing accidents, collisions, and crashes, including:

  • Accidents in which you are the passenger in a ridesharing vehicle
  • Accidents in which a ridesharing vehicle hits your own vehicle while you’re parked or driving
  • Accidents in which a ridesharing vehicle hits you (as a non-riding pedestrian, bicyclist, etc.)

Whether you are a passenger in an Uber or Lyft, or an innocent pedestrian on the side of the street, when you are injured through no fault of your own, you should be eligible for financial compensation for your injuries. Let The Hayden Law Firm advocate for your rights.

Who is liable in a St. Louis rideshare accident?

As we stated earlier, these types of claims can be difficult to navigate because there is often more than one liable party. Depending on the nature of the collision and the severity of your injuries, your rideshare accident attorney may need to negotiate with multiple insurance agencies, or even work with the ridesharing companies directly, to secure the compensation to which you are entitled.

After a rideshare crash where you were not at-fault, some of the parties that may be liable for your injuries include:

  • The rideshare driver. If the driver was negligent in their duty of care of providing you with safe transportation, a compensation claim may be sought through the personal insurance coverage of the Uber or Lyft driver.
  • The rideshare company. In some cases, the rideshare companies may be held liable to pay for the negligent actions of their drivers. However, many rideshare companies try to avoid liability for accidents by claiming that their drivers are not employees, but rather, independent contractors. Depending on the situation, we may argue on the shared liability of the company if the personal insurance coverage of the driver proves insufficient.
  • Any other at-fault drivers. An example of this is if you were the passenger in an Uber or Lyft and another driver caused an accident that resulted in your injuries. In cases like these, you may be able to seek a compensation claim with the at-fault driver’s insurance company.
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How does insurance coverage for rideshare accidents work?

When an Uber or Lyft driver is responsible for a collision, you most likely will need to file a claim with the driver’s insurance company first. However, that claim might be denied by the insurance company because the driver was using their vehicle for commercial purposes. Your next step after this might be to pursue compensation directly from the ridesharing company. Your rideshare accident attorney at The Hayden Law Firm can determine the best legal option.

Since 2017, Missouri has regulated rideshare companies at a state-wide level. Uber, Lyft, and other rideshare apps are available just about anywhere in Missouri. Drivers, who are considered independent contractors, have to pass a background check and have a valid vehicle liability insurance policy. Both Uber and Lyft provide drivers with up to $1 million in additional liability coverage, but as we’ll explain next, that coverage may or may not be active depending on when your Missouri rideshare accident occurred.

Depending on whether a rideshare driver was either actively carrying passengers, en route to picking up a fare, or waiting for a ride request, Uber and Lyft’s insurance plans treat accidents in different ways. Coverage typically works like this:

If the app is turned on, the driver has accepted a ride, and the passenger is in the vehicle:

  • Up to $1 million in liability coverage
  • Some limited coverage for property damage
  • Possibly uninsured motorist coverage

If the app is turned on but the driver has not yet accepted a ride:

  • Up to $50,000 in bodily injury coverage per person
  • Up to $100,000 in total bodily injury coverage per accident
  • $25,000 in property damage coverage

If the app is turned on and the driver has accepted a ride but has not yet picked up the passenger:

  • Up to $1 million in liability coverage

Traditionally, auto insurance policies denied claims if the driver was using the car for work, and could even cancel their policy if they were not informed that the driver did ridesharing. But with ridesharing’s growth, more insurance companies are offering supplemental ridesharing policies for drivers that help cover gaps between their personal plan and Uber or Lyft’s insurance.

If you were in a ridesharing accident and the other driver had commercial or supplemental rideshare insurance, you may be able to file a claim with that company as well as with the rideshare app. At The Hayden Law Firm, we will not only help you determine whether Uber or Lyft should be held responsible, but we will also go head-to-head against the biggest insurance companies on your behalf.

How can a St. Louis Uber or Lyft accident attorney help with my case?

As ridesharing is still an evolving industry, it is currently federally unregulated and requires delicate and deliberate legal methods to effectively secure positive results. Companies like Uber and Lyft are powerhouses with big insurance companies in their corner. At The Hayden Law Firm, we believe victims shouldn’t have to confront negligent parties, whether large or small, alone.

When we get involved, we help you get to the bottom of issues like:

  • Does the at-fault driver have sufficient insurance to cover your injuries/damages?
  • Should you pursue an insurance claim with the ridesharing company?
  • Was the rideshare driver logged into the app when the crash occurred?
  • Was the rideshare driver on their way to pick up a passenger?
  • If another car was involved in the accident, should that driver’s insurance company be involved?

We employ many different tactics to answer these questions, such as investigating the accident, obtaining witness depositions, and getting to know every detail of your injury to calculate the cost of your losses. We do all this while ensuring that your rights and interests are protected every step of the way.

We get you the results you need when you need them most.

Experienced St. Louis rideshare accident lawyer

Car crashes, including Uber and Lyft accidents, can cause long-lasting injuries resulting in medical bills and time lost from work. At The Hayden Law Firm, we work to secure compensation on your behalf from the responsible parties – putting over 15 years of experience and success in your corner. Please call our offices at 314-480-3100 or fill out our contact form for a free, no-risk consultation. We are based in St. Louis, Missouri, but our firm proudly serves clients throughout Missouri and Illinois.