Rideshare services like Uber and Lyft have become part of daily transportation for many people, but accidents involving these vehicles raise questions about who pays for an injured party’s medical bills. Those companies have different types of insurance coverage, which we can explain in detail.
Does Personal Injury Protection (PIP) Apply to Rideshare Accidents?
Since Pennsylvania is a no-fault state, most drivers are required to carry Personal Injury Protection (PIP) coverage as part of their auto insurance. PIP generally pays for medical expenses up to the policy limits, regardless of fault. If an injured passenger or driver has PIP coverage, it may cover initial medical bills before fault is determined. Once the PIP limits are exhausted, other insurance sources may be pursued for additional compensation.
Is Uber or Lyft Responsible for Paying Medical Bills?
Whether Uber or Lyft is responsible depends on the driver’s activity at the time of the crash. Both companies provide liability insurance that applies when the driver is logged into the app and available for rides, or actively transporting passengers. If the rideshare driver was on duty, the company’s insurance may cover medical expenses for injured passengers or third parties, depending on the circumstances. When the driver is off-duty, their personal auto insurance typically applies.
What If Another Driver Caused the Rideshare Accident?
If another motorist caused the crash, that driver’s liability insurance is generally responsible for paying medical expenses. However, insurance companies may dispute responsibility, delaying payment. In those situations, an injured person may need to rely temporarily on their own PIP benefits or health insurance to cover treatment costs until liability is resolved.
Can Health Insurance Be Used After a Rideshare Crash?
Health insurance can often be used to pay for medical treatment after PIP benefits are exhausted or if no PIP coverage is available. Depending on the policy, the insurer may seek reimbursement later if another party is found liable. Health insurance allows access to necessary care while the legal process determines who must ultimately pay.
What Happens If the Rideshare Driver Was At Fault?
If the rideshare driver caused the crash while logged into the app, Uber and Lyft generally provide third-party liability coverage of up to $1 million. This policy may help pay for medical expenses, lost income, and other losses. However, if the driver was not using the app or was offline, only their personal auto policy applies. The coverage level varies depending on the driver’s individual policy, rideshare status, and state requirements.
Does Coverage Differ for Passengers and Drivers?
Yes, coverage can differ based on who was involved and their role during the accident. Passengers in an active ride are typically covered under Uber or Lyft’s insurance, while drivers depend on whether they were on duty at the time. Pedestrians or occupants of other vehicles struck by a rideshare car may have claims against the rideshare company’s insurance or the driver’s policy, depending on the circumstances.
How Can Delays in Insurance Payments Affect Medical Bills?
Insurance investigations can take time, which may lead to unpaid medical balances in the meantime. Some medical providers may bill the patient directly, expecting payment once the case resolves. We recommend keeping detailed records of all medical expenses and insurance communications to support reimbursement claims once liability is determined.
When Would I Need a Chester County Uber and Lyft Accident Lawyer?
Rideshare accidents can involve overlapping insurance policies and disputed liability, making it challenging to determine who pays for your medical bills. A skilled attorney can interpret the insurance coverage, negotiate with insurers, and pursue compensation through settlement or litigation if necessary. Starting the legal process early can preserve important evidence and clarify your rights regarding payment of medical costs.
Do Not Wait to Claim What You Deserve: Contact a Skilled Chester County Uber and Lyft Accident Lawyer at Samuel Anyan Attorney At Law
If you need legal help after a rideshare crash, contact a Chester County Uber and Lyft accident lawyer at Samuel Anyan Attorney At Law. Call 833-372-6946 or complete our online form today for a free consultation. We are located in Philadelphia and serve clients in the surrounding areas.