Oklahoma City Uber & Lyft Accident Lawyers

Helping Injured Rideshare Passengers Across Oklahoma

Rideshare companies like Uber, Lyft, and others have revolutionized the way that people get around. These apps allow people to request a ride with the touch of a button, and they have become so popular that millions of people have these apps downloaded and use them regularly.

Unfortunately, rideshare drivers are not always as safe as they should be. They are not required to undergo the same background checks as taxi drivers, and they are not always subject to the same safety training and requirements. As a result, rideshare drivers have caused a number of car accidents and even fatalities.

At Fulmer Sill, we know how to investigate these accidents and hold rideshare drivers accountable for the harm that they cause. Our Oklahoma City rideshare accident attorneys are prepared to take on these companies and their insurance providers to make them pay.

If you have been injured in an accident involving an Uber or Lyft driver, contact our OKC rideshare accident attorneys at Fulmer Sill at (405) 433-7414 to learn more about your legal options.

Rideshare Law in Oklahoma City

In Oklahoma City, ridesharing services like Uber and Lyft are regulated by both state and local authorities. The state of Oklahoma passed a law in 2017 that created a framework for regulating transportation network companies (TNCs) or ridesharing services. The law, known as House Bill 1614, established requirements for insurance, background checks, and licensing of drivers.

Rideshare drivers must meet certain criteria, including being at least 21 years old, possessing a valid driver's license, and passing a background check. The background check typically includes a review of driving records, criminal records, and sex offender registries.

Rideshare vehicles must meet specific standards set by the ridesharing companies and may be subject to periodic inspections. These requirements usually include factors such as vehicle age, condition, and insurance coverage.

How Insurance Coverage Works in Rideshare Accident Claims

In Oklahoma, insurance coverage for rideshare accidents, such as those involving Uber or Lyft, can be complex because it depends on the status of the driver at the time of the accident. Both the rideshare company’s insurance and the driver’s personal auto insurance may apply, depending on the situation.

Driver Not Logged Into the App (Offline)

If the driver is not logged into the rideshare app when the accident occurs, the driver’s personal auto insurance will be the primary coverage. In this scenario, Uber or Lyft’s insurance policies do not apply because the driver is considered to be operating the vehicle for personal use.

Driver Logged Into the App (Waiting for a Ride)

When the driver is logged into the app and waiting for a ride request but not actively transporting a passenger, the driver’s personal auto insurance is still the primary coverage. 

However, if the personal insurance policy does not provide adequate coverage or denies the claim (which can happen because most personal policies exclude rideshare driving), Uber and Lyft provide contingent liability coverage, which includes:

• $50,000 per person for bodily injury.
• $100,000 per accident for bodily injury.
• $25,000 for property damage.

Driver En Route to Pick Up a Passenger

Once the driver accepts a ride request and is on the way to pick up a passenger, the rideshare company’s commercial insurance policy takes over. This policy provides:

• $1 million in third-party liability coverage.

Uninsured/underinsured motorist (UM/UIM) coverage may also be available in cases where the other driver is at fault but does not have sufficient insurance.

Driver Transporting a Passenger

While the driver is actively transporting a passenger (from the time the passenger enters the vehicle until drop-off), the rideshare company’s full $1 million liability coverage applies, as well as UM/UIM coverage. This provides substantial protection for passengers, the driver, and other parties involved in the accident.

Filing a Claim After a Rideshare Accident

Oklahoma follows an at-fault insurance system, meaning the driver who caused the accident is responsible for covering damages. If the rideshare driver is at fault, you may be able to pursue compensation through their insurance, whether it’s the driver’s personal policy or the rideshare company’s commercial policy. If another driver is at fault, you would file a claim with their insurance.

• If you’re a passenger in a rideshare vehicle: The rideshare company’s insurance will generally cover your injuries under their $1 million liability policy.
• If you’re another driver or pedestrian: Your claim will likely be covered by the rideshare company’s insurance if the driver was on a trip or en route to pick up a passenger. If the driver was waiting for a ride request or offline, the driver’s personal insurance or contingent coverage may apply.

Understanding which insurance coverage applies can be tricky, especially in a rideshare context, so consulting with an Oklahoma City Uber and Llawyermay be essential to ensure you’re fully compensated for your injuries and damages.

Injured in a Rideshare Accident? Call Our Attorneys Today

Rideshare companies are not liable for the accidents that their drivers cause. However, the rideshare company will be responsible for a portion of the accident claim if the rideshare passenger has purchased rideshare coverage. It is important to have an experienced rideshare accident attorney on your side.

If you or someone you love has been injured in a rideshare accident, our attorneys are ready to help. We know how to investigate Uber and Lyft accidents and how to hold rideshare companies accountable. Our Oklahoma City rideshare accident lawyers are ready to fight for you.

Call (405) 433-7414 or contact us online today for a free consultation.