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Ride Share

If you’ve been in a car accident in Nevada while participating in a ride sharing app like Uber, Lyft, or another service, your injuries may be covered by insurance. Whether you were a ride share driver, passenger, or hit by a ride share driver, your injuries and property damage might be covered by your own insurance, the at-fault driver’s personal insurance, and the ride share app’s insurance.

Passengers of the Ride Share App Driver

The Passengers of the Ride Share App Driver involved in an accident while they are using the Ride Share App will typically be covered under these sources:

  1. The Ride Share App Driver’s Uninsured/Underinsured Motorist Coverage;
  2. The Adverse Driver’s personal car insurance

Ride Share App Drivers

Ride Share App Drivers involved in an accident can be covered under the following sources:

  1. Their own personal car insurance;
  2. The Ride Share App’s car insurance;
  3. The Adverse Driver’s insurance, if the Adverse Driver is at fault

Non-Ride Share App Drivers and Passengers in a car accident caused by a Ride Share App Driver

These Non-Ride Share App Drivers and Passengers can be covered under the following sources:

  1. The Ride Share App Driver’s personal car insurance;
  2. The Ride Share App’s commercial car insurance;
  3. The Non-Ride Share App Driver’s Uninsured/Underinsured Motorist Coverage

The type of coverage that will apply depends on several factors. In Nevada, every operator of a vehicle must maintain a minimum policy of $25,000 coverage per person and $50,000 coverage per occurrence. While a Driver is working for a Ride Share App, the Driver must maintain a policy of at least $50,000 coverage per person and $100,000 coverage per occurrence.

Underinsured and uninsured motorist (UM/UIM) coverage is not required to be included in any policy, so unless the policyholder elects to add that coverage, it will not be added to the policy. UM/UIM will cover the policyholder, or passengers riding in the policy holder’s car, in the event that the at-fault party has inadequate or no insurance coverage to pay for property damage or injuries.

Personal car insurance policies are meant to cover the cost of property damage or injuries that an at-fault driver causes to another party. In Nevada, personal car insurance policies do not always cover accidents which occur while the policyholder is working as a Ride Share App Driver. Some personal policies explicitly deny coverage when an accident occurs during ride share, while other policies will give the policyholder the option at the time the insurance contract is signed to cover accidents that occur during a ride share.

Nevada requires a minimum of $1.5 million in coverage be active while a driver is transporting passengers picked up as part of a Ride Share App fare. Either the App or the Driver must provide this coverage. Most Drivers will not be able to afford to maintain a $1.5 million dollar policy, so usually, the App provides coverage through its commercial policy. The App’s policy must provide this coverage during the time that the app matches a passenger to a driver and ends when the passenger fully exits the vehicle.

Why you should hire an attorney if you’ve been in an accident involving a Ride Share App Driver

Insurance issues like these are complex and can be difficult to understand without the help of a licensed attorney. Trying to figure out which insurance laws apply depends on all of the factors in play at the time of the accident. For instance, different laws and levels of coverage apply depending on whether the App was in use at the time of the accident, whether passengers were present in the Ride Share vehicle, whether the passenger was fully inside or outside of the car, and whether the Ride Share App Driver’s insurance allows them to transport Ride Share App fares. Many more factors influence the applicability and level of insurance coverage available. There are even more issues to consider if the accident occurred outside the state of Nevada, or with an out of state policy.

With so many different variables, it’s best to have someone on your side that knows the ins and outs of Ride Share App issues. If you’ve been injured while using a Ride Share App, driving for a Ride Share App, or by the Driver of a car being used as a Ride Share, contact the attorneys at Battle Born Injury Lawyers today. We’ll take all the guesswork out of your claim so you can focus on getting better while we focus on getting you the compensation you deserve.

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