Orchard Park, home to the Buffalo Bills, experiences a surge of visitors on game days, many of whom rely on rideshare services like Uber and Lyft for a safe, convenient trip to and from the stadium. While rideshare services provide ease of transportation, accidents involving these services are not uncommon, particularly when large crowds are gathered, as is often the case during game day. Whether you’re involved in an accident as a driver, passenger, or pedestrian, understanding how Uber and Lyft claims work can make a significant difference in ensuring that you receive fair compensation for your injuries and damages.
The process of filing a claim for a rideshare accident can be complicated, especially with the involvement of multiple parties. We’ll delve into the details of what happens when an Uber or Lyft accident occurs in Orchard Park, how insurance works in these situations, and what steps you should take if you are involved in one.
How Uber and Lyft Insurance Coverage Works 
Uber and Lyft each have insurance policies that provide coverage for accidents, but the specifics of these policies vary depending on the circumstances. Understanding the three periods of coverage can help you navigate the claims process more effectively.
Period 1: Waiting for a Ride
When a rideshare driver is online and available but has not yet accepted a ride request, they are in Period 1. During this period, neither Uber nor Lyft’s insurance provides coverage for the driver or any passengers. Instead, the driver’s personal car insurance is in play. This can be problematic if the driver does not have adequate personal insurance, as they may not be covered for accidents that occur during this time.
Period 2: Ride Accepted and Passenger Onboard
Once the driver accepts a ride request and picks up the passenger, both Uber and Lyft’s insurance coverage takes over. In this period, the rideshare company’s insurance covers damages and injuries caused by an accident. This coverage includes liability insurance for injuries to other people and property damage. If the driver causes an accident that results in injury or damage, Uber or Lyft’s insurance will typically provide compensation for the victims, up to the limits of the policy.
Partner Partner Partner Attorney Attorney
Benjamin J.
Andrews
Robert
Maranto
Tom
Kotrys
Robert J.
Maranto, III
Thanon
Rezvi
Period 3: Passenger Dropped Off and Insurance Returns to Personal Coverage
Once the passenger is dropped off and the trip ends, Uber and Lyft’s coverage ends as well. At this point, the driver’s personal insurance becomes the primary source of coverage. However, if the driver is still en route to pick up another passenger or has not yet turned off the rideshare app, the company’s insurance may still apply, depending on the circumstances.
It’s important to note that even during Period 2, there can still be issues with determining fault, which is where legal representation becomes essential.
Steps to Take After a Rideshare Accident in Orchard Park
Accidents involving Uber and Lyft in Orchard Park can happen during events like Bills games, but knowing what steps to take immediately after the incident can ensure that you protect your rights and increase your chances of receiving proper compensation. The following steps outline what you should do after a rideshare accident.
Ensure Safety and Call for Medical Assistance
The first priority after any accident is the safety of everyone involved. If there are injuries, no matter how minor they seem, immediately call 911 for medical assistance. Even if you feel fine, it’s important to seek medical attention, as some injuries may not become apparent until later. Additionally, calling the authorities will ensure an official accident report is created, which can be crucial when filing an insurance claim.
The team is very personable, patient and empathetic with their clients. They are upfront with you and will explain the entire process with you, they never lead you to believe otherwise, they tell you like it is and will not sell you a million dollar dream. Trust in Andrews, Bernstein & Maranto, PLLC, they work for you and he looks out for your best interest.” - Jane D.
Collect Evidence at the Scene
Once it’s safe to do so, start gathering evidence at the scene of the accident. This can include taking photos of the vehicles involved, the location of the accident, any visible damages, and any injuries you or others may have sustained. Make sure to document any relevant road conditions or weather conditions that could have contributed to the crash. Additionally, exchange contact information with the other driver, passengers, and any witnesses who may have observed the incident. This evidence will be invaluable when pursuing a claim.
Report the Accident to Uber or Lyft
Uber and Lyft both have systems in place for reporting accidents. After the incident, report the crash through the app as soon as possible. This will allow the rideshare company to initiate its internal process for handling the accident and insurance claims. Keep in mind that rideshare drivers must also report the accident to Uber or Lyft for their insurance coverage to apply.
Consult with an Experienced Personal Injury Lawyer
Accidents involving Uber and Lyft can be complex, especially when determining fault and liability. It’s important to consult with a personal injury lawyer who is experienced in handling rideshare accident claims. They can help ensure that all necessary steps are taken, including dealing with insurance companies and ensuring that your rights are protected throughout the process. At Andrews, Bernstein & Maranto, PLLC, we have extensive experience handling cases involving rideshare accidents, and we can help guide you through the legal complexities of your claim.
Should I Take The First Settlement Offer? Steps to File a Personal Injury ClaimRelated Videos
Liability in Rideshare Accidents
Determining liability in an Uber or Lyft accident can be more complicated than in a standard car accident. The primary question is whether the rideshare driver was at fault, but there may be other parties involved as well.
If the driver of the Uber or Lyft is at fault for the accident, the rideshare company’s insurance will generally cover the damages. However, if the driver is uninsured or underinsured, or if the accident occurs while the driver is not engaged in a ride, the driver’s personal insurance may come into play. In some cases, it may also be necessary to file a personal injury lawsuit against the driver or the rideshare company if compensation is insufficient.
For pedestrians or other drivers involved in the accident, liability can be even more complicated. If another driver is at fault, they may be held responsible for the damages, but if multiple parties are at fault, the claims process can become more involved.
Challenges with Uber and Lyft Accident Claims
While Uber and Lyft provide insurance coverage, making a claim after a rideshare accident can be difficult. Here are some of the most common challenges that accident victims face:
Determining Fault
In many cases, rideshare accidents involve multiple parties, and determining fault is not always straightforward. An experienced lawyer can help investigate the cause of the accident, gather witness statements, and analyze any relevant traffic camera footage or accident reports to help establish fault.
Insurance Adjuster Disputes
Insurance companies, including those representing Uber, Lyft, and the other parties involved, may attempt to minimize the payout or shift blame to other parties. In these situations, having an attorney to advocate on your behalf can make a significant difference in the outcome of your case.
Verdicts & Settlements
Delays in the Claims Process
The claims process can be time-consuming, and sometimes insurance companies may delay payments or try to deny the claim altogether. Having a lawyer who understands the intricacies of rideshare accident claims can help expedite the process and ensure that you receive the compensation you deserve.
Why Legal Help is Essential for Rideshare Accident Claims
If you’ve been involved in a rideshare accident in Orchard Park, particularly during a busy event like a Buffalo Bills game, the process of securing compensation for injuries and damages can be complex. The legal team at Andrews, Bernstein & Maranto, PLLC is here to help. With years of experience representing accident victims, we understand the challenges you may face and are committed to ensuring that your rights are protected.
Whether it’s negotiating with insurance companies, identifying the responsible parties, or fighting for fair compensation, having the right legal support is essential in achieving a favorable outcome. Contact us today to schedule a free consultation and learn how we can assist you in navigating your rideshare accident claim.