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What happens if you get hit by someone who is underinsured or has no insurance at all?

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211 Rider Guru
 Posted 4 years, 5 months ago

The more you drive the more likely you are to get into an accident. And if it happens, nothing is worse than a hit-and-run or a driver who is uninsured (Uninsured Motorist - UM / Under Insured Motorist - UIM). LegalRideshare handles these types of cases all the time. If that happens, here's how it works: 

At-fault driver has no insurance or leaves the scene 

If the at-fault driver has no insurance or leaves the scene, open your injury claim directly with Uber/Lyft. The rideshare company will investigate the claim and assess the damages. The UM/UIM policy should cover your medical bills and damages (pain and suffering, disability and wage loss, when applicable).  

If the other driver has inadequate coverage 

Uber and Lyft will cover damages that the at-fault insurance company does not. For instance, if the at-fault driver has a $25,000 policy and you have $75,000 in medical bills, Uber and Lyft’s UM/UIM coverage will cover the difference.

You should report all accidents to Uber/Lyft immediately to protect your rights under their UM/UIM provisions. Likewise, don’t settle an injury claim with the at-fault driver’s insurance company without Uber/Lyft’s permission. 

Now, what about the damage to your car?

 The rideshare companies provide contingent/secondary coverage up to $50,000. That means Uber and Lyft will cover the costs of property damage if the at-fault driver and your personal insurance deny the claim. This is true regardless of the driving period. Again, report the claim to Uber/Lyft to protect your rights to coverage.

If you're injured from the accident you should absolutely seek legal advice. Injury claims involving UM/UIM are complex, technical and laden with traps. Expert legal advice is suggested. Contact Us.  


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     4 years ago

    Does the person who doesn't have insurance get in trouble?

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      OP 211 Rider Guru
       4 years ago

      Typically, there's repercussions for drivers who don't carry insurance. For example, in Illinois you'd be fined up to $1000, have a suspended drivers license and $100 reinstatement fee. If that person hit you, that's when you can file an Uninsured Motorist claim as explained above.