If you were injured in a ride share accident in Oklahoma, you’ll understandably want to know who could be liable for your injuries, how your insurance claim will work, and the steps to take to protect your rights. Ride share accident cases are often more complex than traditional car accident cases, so it’s also important to work with an experienced lawyer who can guide you through the process.
Who Could Be Liable for Your Oklahoma Ride Share Accident Injuries?
Depending on how the ride share accident occurred, several parties could be liable for your injuries. The parties most commonly found liable include:
- The driver of the ride share vehicle
- The ride share company
- Other motorists who contributed to the accident
- Vehicle manufacturers, if a product defect contributed to the crash
- Vehicle maintenance providers, if poor maintenance caused the accident
- Government entities, if poor road conditions contributed to the collision
How Do Insurance Claims Work for Ride Share Accidents?
In Oklahoma, your first option for seeking compensation after an accident is typically to file a claim against the at-fault driver’s liability coverage policy. However, things can get a little more complicated if the at-fault driver is the ride share driver.
Ride share services have their own insurance coverage that comes into play, depending on the stage of the ride the driver is in: App not in use, available for a trip, and en route or on a trip.
Insurance Coverage When the App Is Not in Use
If your injuries are caused by a ride share driver who is not using the ride share app at the time of the crash, you will file your insurance claim with their personal liability coverage policy. In Oklahoma, the minimum required amounts of liability coverage are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Insurance Coverage When the Driver Is Available for a Trip
The ride share company’s auto insurance applies if the driver who caused your injuries was online on their ride share app and available for a trip. Both Uber and Lyft offer the same insurance coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage
Insurance Coverage When the Driver Is En Route or on a Trip
If the collision occurs while the driver is en route or on a trip, Uber and Lyft offer higher insurance coverage rates. They both offer $1 million in combined coverage for bodily injuries and property damage caused by the accident.
Steps to Take After a Ride Share Accident Injury in Oklahoma
After sustaining injuries in a ride share accident, taking the following steps can improve your chances of successfully recovering the compensation you need:
- Follow up with your medical treatment until you fully recover.
- Keep track of all medical bills related to the accident.
- Avoid speaking to insurance adjusters about the accident or your injuries.
- Don’t post about the accident or your injuries on social media.
- Write down everything you remember about the crash, including the time, date, and location.
- Consult an experienced ride share accident lawyer about your case.
Contact Our Oklahoma Ride Share Accident Lawyers
If you sustained injuries in an Oklahoma ride share accident, you need a lawyer with experience taking on the commercial insurance companies used by Uber and Lyft. Contact Farha Law, PLLC, for a free consultation about your case with a knowledgeable ride share accident lawyer. Our team will fight to obtain maximum compensation for you.