When you take a rideshare like Uber or Lyft in Miami, you hope to have a safe ride. You rely on the driver to get you to your destination without incident. But as with any trip in a car, you are at risk of an accident.
Being in an accident is always a scary event. But when you are in someone else’s car, you worry about how insurance will cover any injuries. Here are a few tips for what to do after an accident in a rideshare:
- Gather information from the driver – Collect your driver’s name, vehicle, license plate and insurance. Depending on his or her coverage, you may go through personal insurance before going through the rideshare company’s liability coverage.
- Document the accident – Take as many pictures as possible of the accident. Use a notepad or your smartphone to write down all the details.
- Seek medical attention – Go to the doctor as soon as possible to treat any injuries. Keep documentation of any treatment you receive.
Third-party insurance may not approve your claim
After the accident, you will have to navigate which insurance company pays for your injuries. For rideshare drivers with commercial coverage, you will go through their company first. If their insurance doesn’t cover your bills, you will then go through the liability coverage of the rideshare insurance company.
However, both companies may try to deny your claim. Having information about your medical treatment and the accident may help you with any denials.
Evidence can help you with a claim
An accident in a rideshare can leave you with expensive injuries. And navigating a third-party insurance company can lead you to denied claims.
By gathering enough evidence, you may be able to avoid a denial.