Can I still file a claim if the other driver involved in the accident was uninsured or underinsured?

Are you a Lyft passenger, driver or accomplice that has been involved in a Lyft accident in Alabama, and the other driver involved was either uninsured or underinsured? You may be concerned, wondering if you have any recourse under such circumstances. The good news is, yes, you can still file a claim, and Stephen Thompson, an experienced Alabama personal injury lawyer, is here to help you navigate this process.

While the law in Alabama mandates every driver to carry liability insurance coverage, not every motorist adheres to this requirement. A study commissioned by the Insurance Research Council in 2019 showed that roughly 13% of motorists in Alabama were uninsured. Additionally, some drivers carry only the minimum requirements which often are insufficient to cover considerable medical bills and damages in severe accidents.  

In the context of ridesharing services such as Lyft, an additional layer of complexity arises when dealing with insurance matters. The good news is that Lyft provides its drivers with liability coverage, but this coverage could vary depending on whether the driver is awaiting a passenger request, driving to pick a passenger, or during passenger drop-off. Understanding these details can be overwhelming, but Stephen Thompson stands ready to give you the guidance you need.

Lyft's Uninsured/Underinsured Motorist Coverage

Lyft provides uninsured/underinsured (UM/UIM) coverage for their drivers and passengers in case they get hit by a driver who is either uninsured or whose insurance can't fully cover the damages. This coverage is active from the time a Lyft driver accepts a ride request until the drop-off is completed.

Lyft's UM/UIM coverage, in many cases, has proved to be a life-saver, giving victims a means of seeking compensation for their damages. However, to make a claim under Lyft’s UM/UIM policy, you must first exhaust the at-fault driver's policy, if it exists, or demonstrate that the driver was indeed uninsured. 

Why You Need An Experienced Personal Injury Lawyer

Navigating these intricacies of insurance coverages and claims after a Lyft accident can be a daunting task for anyone. Often, the situation involves tangled paths involving Lyft's corporate policy, the personal policies of drivers and those of other motorists involved in the accident.

This is where having a seasoned Alabama personal injury lawyer such as Stephen Thompson can prove invaluable. His deep understanding of Alabama's complex personal injury laws, expert handling of insurance companies, and rich experience in seeking justice for Lyft accident victims positions him uniquely.

He will guide you through the complexities of filing your claim, dealing with corporate policies, personal insurance, and uninsured or underinsured drivers. His determination to fight for your rights and to seek full compensation for your damages will offer assurance that your interests are protected through every step of the claim.

In conclusion, the moment after a Lyft accident can often be filled with uncertainty, especially if you discover that the other driver involved is uninsured or underinsured. But remember, you do not have to go through this process alone. Stephen Thompson, your dedicated Alabama personal injury lawyer, is ready to walk you through this trying period. Be it a Lyft accident or another personal injury incident, Stephen Thompson is standing by ready to ensure that your rights are protected and that you get the full compensation you deserve. So, reach out today and arm yourself with legal expertise. Let Stephen Thompson fight for you.

Free Initial Strategy Session

All Initial Strategy Sessions are Free. If you would like to discuss your options, you are invited to fill out one of the Contact Forms. I will attempt to contact you if I think I can help you.

During your Initial Strategy Session, I will asist you in creating a strategy on how to best pursue your claim, whether it be the result of a Car Accident Claim, 18 Wheeler Injury, or, Alabama Workers' Compensation Claim. At your Initial Strategy Session, you will receive the following:

• First - I will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
• Based on the information that you provide, I will give you my best advice on both what claims you have, and the next steps you should consider to proceed with your claim(s).
• If your claim is something that I think I can help you with, I will explain the services that I can provide for you, and what the next steps are that we should take. We will start working immediately.
• If your matter is something that I do not think I can help you with, then I will attempt to put you in contact with another lawyer that might be able to help you.
• Either way, what should happen is we will put to rest some of the unkowns that you may be experiencing. We will start to shed some light on what you can expect, and how to best pursue the benefits you deserve.

Don't delay getting the recovery you deserve! Contact us today for your free Strategy Session!