Rideshare services like Uber and Lyft have changed the way people travel across Mississippi. But when accidents happen, figuring out who pays for medical bills, lost wages, and other damages can be confusing. Because multiple parties and insurance policies may be involved, rideshare accidents often require careful investigation to determine liability.
The Role of the Rideshare Driver’s Insurance
Every Uber and Lyft driver in Mississippi is required to carry their own personal auto insurance. However, these policies often exclude coverage when the driver is using their vehicle for commercial purposes. This means that the driver’s personal insurer may deny coverage if the accident occurred while they were logged into the rideshare app.
Uber and Lyft’s Insurance Coverage
Both Uber and Lyft provide liability coverage for their drivers, but the level of coverage depends on the driver’s status at the time of the crash:
- Driver Not Logged In: Only the driver’s personal insurance applies.
- Driver Logged In, Waiting for a Ride Request: Uber and Lyft provide limited liability coverage—up to $50,000 per person injured, $100,000 per accident, and $25,000 for property damage.
- Driver En Route to Pick Up or During a Trip: The rideshare company’s $1 million liability policy typically applies. This coverage may also include uninsured/underinsured motorist protection in certain cases.
Who Can Be Held Liable?
Depending on the circumstances, several parties may be responsible for damages after an Uber or Lyft accident in Mississippi:
- The rideshare driver, if negligence (like speeding or distracted driving) caused the crash.
- Another driver, if they were at fault.
- Uber or Lyft’s insurance policy, if the driver was actively working at the time.
In some cases, multiple insurers may share responsibility, leading to complex negotiations.
Injuries in Rideshare Accidents
Victims of Uber and Lyft accidents often suffer serious injuries such as broken bones, whiplash, head trauma, or spinal cord injuries. These injuries may require extensive treatment and rehabilitation. Compensation may be available for medical bills, lost income, pain and suffering, and other related costs.
Why Rideshare Accident Claims Are Complicated
Unlike traditional car accidents, rideshare claims involve corporate insurance policies, driver coverage, and sometimes disputes between insurers over who should pay. Insurance companies may attempt to delay or deny claims, leaving victims unsure of where to turn.
An experienced Mississippi car accident attorney can sort through these challenges by determining which policies apply, negotiating with insurers, and pursuing full compensation for victims.
The Bottom Line
After an Uber or Lyft accident in Mississippi, liability depends on whether the driver was logged into the app and actively working. While these cases can be complicated, victims do not have to navigate them alone. Legal guidance can make the difference in securing the compensation needed to recover.