Do Rideshare Drivers Need Uninsured Motorist Coverage?

The Advantages of Uninsured Motorist Coverage for Rideshare Drivers

Rideshare car accidents present a unique set of challenges, especially when it comes to determining liability and seeking compensation for injuries. When an individual is involved in a rideshare accident, either as a passenger or as the injured party hit by an Uber or Lyft vehicle, navigating the complex web of insurance coverage becomes crucial for obtaining adequate compensation, particularly when dealing with uninsured or underinsured motorists (UM coverage). This article will discuss why you need uninsured motorist coverage if you are a Lyft and Uber driver.

Rideshare Accidents are Complex

In the context of rideshare accidents, where a passenger or someone hit by a rideshare vehicle is not at fault, the liability landscape can be multifaceted. Rideshare companies like Uber and Lyft typically provide substantial insurance coverage for their drivers, both during rideshare activities and when the app is on but the driver is awaiting a passenger. However, if an accident occurs, and the at-fault party lacks sufficient insurance coverage, the injured party may turn to the rideshare car's UM (uninsured/underinsured motorist) coverage.

What is Uninsured Motorist Coverage?

Uninsured motorist coverage is a type of insurance that comes into play when the at-fault party either doesn't have insurance or doesn't carry enough insurance to cover the damages. In the context of rideshare accidents, this can be particularly crucial, as not all drivers on the road maintain adequate insurance limits.

For instance, if a rideshare passenger is injured due to the negligence of another driver who is uninsured or underinsured, the rideshare company's UM coverage can potentially fill the gap. This coverage can help cover medical expenses, lost wages, and other damages that may arise from the accident. It's important to note that the specific details of insurance coverage can vary between Uber and Lyft, and state regulations may also play a role in determining the extent of coverage.

Lawyers Understand the Complexities

Therefore, individuals involved in rideshare accidents should promptly consult with a knowledgeable personal injury attorney who can navigate the complexities of these cases. Rideshare car accidents introduce a layer of complexity to the already intricate world of personal injury law, so it’s best to work with an expert who has experience navigating these complexities. Utilizing the UM coverage of the rideshare vehicle becomes a critical avenue for seeking compensation when the at-fault party lacks adequate insurance.

As ridesharing continues to be a prevalent mode of transportation, understanding the nuances of insurance coverage in these situations is essential for ensuring that injured parties receive the compensation they rightfully deserve. Not only does it protect you and your vehicle in the event of an accident as the driver, it also protects your passengers even if they don’t know it, adding another layer of the trust that your passengers put into you during every trip.

Need a Car Accident Lawyer to Help with a Rideshare Accident?

In summary, everyone should have uninsured motorist coverage, but especially if you are an Uber or Lyft driver. While rideshare car accidents can be complex, experienced personal injury lawyers can tackle the intricacy of the incident and help protect you in court and win your case. Personal injury attorneys bring objectivity, expertise, and a keen ability to maximize your compensation, allowing you to focus on getting back on the road and picking up your next passenger.

Contact Lloyd H. Thomas Law for an experienced car accident attorney to help with your rideshare accident. We are located in Atlanta, Georgia and are here to help you navigate the complexities in the aftermath of a car accident.

Call us today at (404) 848-8898. 

Super Bowl LVIII Driver’s Safety

Avoid Illegal Contact While Driving During Super Bowl Weekend

In the NFL, a safety results in a team getting two points, which can help them to win the game. In real life, safety means that you get home to your family without injury. As Super Bowl VIII approaches, festivities and celebrations often accompany the big game, bringing friends and families together for parties and gatherings. However, with the excitement and socializing come potential risks, particularly when it comes to driving under the influence (DUI) and road safety.

Lloyd H. Thomas Law is a law firm specializing in personal injury cases, many of which revolve around car accidents as the result of drunk driving. Let’s discuss some ways to stay safe this February and to avoid accidents on Super Bowl Sunday.

Drunk Driving on Super Bowl Sunday

The Super Bowl is known for an increase in alcohol consumption. Whether people are going out to bars to watch the big game or congregating at a friend’s Super Bowl party, beer and other alcohol is often a staple of those celebrations. Therefore, it's crucial to address the potential dangers associated with impaired driving during this time.

One of the main concerns during Super Bowl parties is the consumption of alcohol, which can impair judgment, coordination, and reaction times. Individuals attending these gatherings may be tempted to get behind the wheel after having a few drinks, putting themselves and others at risk. Law enforcement agencies often increase patrols and conduct sobriety checkpoints around major events like the Super Bowl to deter and catch impaired drivers.

How to Host a Safe Super Bowl LVIII Event

The legal consequences of a DUI conviction can be severe, including fines, license suspension, and even imprisonment, underscoring the importance of responsible decision-making. To enhance road safety during Super Bowl parties, hosts can play a crucial role by promoting responsible drinking and offering alternative transportation options. Designated drivers, rideshare services, or public transportation can be viable alternatives to driving under the influence.

Hosting parties with non-alcoholic beverage options and arranging accommodations for guests who may be unable to drive can contribute to a safer environment. Public awareness campaigns leading up to the Super Bowl can also remind individuals of the potential consequences of impaired driving and encourage them to plan ahead for a safe journey home. Emphasizing personal responsibility and community well-being can help reduce the number of DUI incidents and contribute to a safer road environment during the Super Bowl festivities.

As the excitement builds for the Super Bowl, it is essential to prioritize road safety and discourage driving under the influence. Responsible choices, non-alcoholic beverage options, designated drivers, and alternative transportation options can all contribute to a safer celebration, ensuring that the joy of the game is not overshadowed by the tragic consequences of impaired driving. 

Need a Car Crash Attorney? Call Lloyd

Be aware, be safe, and remember that your legal resource Lloyd Thomas is here for you should the situation arise on Super Bowl Sunday. If you’re not sure what to do after a car accident, hiring a car accident lawyer is a smart decision that can make a big difference in the outcome of your case.

Contact Lloyd H. Thomas Law for an experienced law firm who specializes in car accidents. We are located in Atlanta, Georgia and are here to help you navigate the aftermath of a car accident.

Give us a call at (404) 848-8898 or click here to send us a message.

Thanks for reading! Stay safe, be responsible, and enjoy watching Super Bowl LVIII!

Why You Need Uninsured Motorist Coverage No

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Lawyers Helping Injured People

Car accidents are a harsh reality of life on the road. While most drivers carry insurance coverage to protect themselves and others in the event of a collision, there are still a significant number of motorists who drive without insurance. With this in mind, it becomes crucial to understand the importance of uninsured motorist coverage and why you need it now.

Uninsured motorist coverage is an insurance option designed to protect you when you are involved in an accident with a driver who does not have liability insurance. This coverage provides financial compensation for medical expenses, lost wages, and other damages resulting from the accident caused by the uninsured driver. It essentially acts as a safety net to ensure that you are not left to bear the burden of expenses if the at-fault driver cannot pay.

Below are some important reasons why you should consider getting uninsured motorist coverage today if you do not already have it.
 

Protection Against Uninsured Drivers

As mentioned above, the prevalence of uninsured drivers on the roads is a concerning reality. If you are involved in an accident with an uninsured driver and do not have uninsured motorist coverage, you may be forced to rely on your own resources to cover medical bills, car repairs, and other expenses resulting from the accident. Uninsured motorist coverage provides a layer of protection and peace of mind, knowing that you are financially safeguarded in such unfortunate situations.
 

Coverage in Hit-and-Run Accidents

Hit-and-run accidents, where the at-fault driver flees the scene without providing identification or insurance information, can leave you feeling helpless. Uninsured motorist coverage can step in and cover your expenses in these situations, ensuring that you are not left to bear the financial burden of someone else's negligence.
 

Supplementing Underinsured Motorist Coverage

Even if a driver carries insurance, their policy limits may not be sufficient to cover all of the damages resulting from an accident. In such cases, underinsured motorist coverage comes into play. It fills the gap between the at-fault driver's insurance coverage and the total cost of your damages. By combining uninsured and underinsured motorist coverage, you can protect yourself against both uninsured and inadequately insured drivers.
 

Peace of Mind

Car accidents are stressful enough without the added worry of how you will cover the expenses. Uninsured motorist coverage provides peace of mind, knowing that you have taken proactive steps to protect yourself and your finances. It allows you to focus on your recovery and the well-being of yourself and your loved ones rather than the financial implications of an accident.
 

Navigating Uninsured Motorist Coverage

It's important to note that uninsured motorist coverage requirements and regulations vary by state. While some states mandate uninsured motorist coverage, others make it optional. Even in states where it is not required, it is strongly recommended to consider adding this coverage to your auto insurance policy. It is an additional layer of protection that can prove invaluable in times of need.

When considering uninsured motorist coverage, it's crucial to review your policy limits and understand the extent of coverage provided. Evaluate your personal circumstances, such as your budget, driving habits, and the prevalence of uninsured drivers in your area, to determine the appropriate coverage level for your needs. Discuss your options with an insurance agent who can guide you through the process.

CALL LLOYD IF YOU NEED A CAR Accident ATTORNEY

Whether or not you have uninsured motorist coverage, the aftermath of a car accident is not always easy. If you need help with a settlement after getting into an auto accident, Call Lloyd!

Call (404) 848-8898 or click here to send him a message.

Lloyd H. Thomas Law are expert car accident attorneys in Atlanta, GA who are here to help you get fairly compensated for an accident that you didn’t cause.

Thanks for reading!

Warm Weather Brings Higher Traffic Volume

There are More Cars on the Road when it is Warm Outside

After the long, cold winter months it is always refreshing when the summer sun starts shining through the springtime rain clouds. However, when the weather is nice and warm people tend to get outside more often. Whether they want to flood the beaches, amusement parks, have picnics in the park, or just go for a long drive with the windows down, warm weather brings about higher volumes of traffic on the road. It is no secret that when there are more cars on the road, there are more auto accidents that occur. Lloyd H. Thomas Law is an auto collision personal injury attorney and today we are discussing how to stay safe when there are a lot of cars on the road.

Why Does More Traffic Result in More Accidents?

When there are more cars on the road, it only makes sense that there will subsequently be more accidents. However, there are a few contributing factors to why this is. Here are a few examples:

First off, more traffic means higher chances of traffic jams. Stop and go traffic jams can be a test for impatient drivers, who may make foolish, impulsive decisions, and with very little room for error, this can easily result in a collision.

Next, there are a lot more people traveling. Warm weather often makes people want to travel, which means they might be on roads that they are not familiar with. Additionally, when people are traveling they might be stressed out or take a wrong turn or miss an exit, which can result in poor decisions such as last minute turns or over-braking.

Lastly, warm weather brings about seasonal vehicles. Large RVs that folks don’t drive on a regular basis are being taken cross-country, boats trailers are being towed by cars, and sports cars that stay garaged when it’s raining and cold are reaching high spends with the top down. All of these additional vehicles that are less-frequently driven can result in auto collisions.

How to Drive Safely in Warm Weather

Here is a checklist of steps to take to ensure that you are safe while driving in the warm weather.

• Use time management to plan for traffic delays so you aren’t impatient 

• Be mindful of other drivers you and watch out for people acting reckless

• Allow extra space between you and the car in front of you in case of sudden braking

• Keep sunglasses in the car and use your visors when the sun is blinding

• If you miss a turn just keep driving and take the next exit safely, then turn around

• Only use the left lane when passing to avoid angering other drivers or disrupting traffic

• Wear your seatbelt, don’t use your phone, and keep the music at a low volume

Some drivers can be unpredictable. Make sure that you are always focused on the road to keep yourself and your passengers safe and to help you to avoid getting into a traffic accident.

Need an Auto Collision Personal Injury Attorney?

Getting into a car accident can be a headache, and it’s not always easy to be fairly compensated for collisions that you are the victim of. Contact Lloyd H. Thomas Law for an experienced and trusted attorney who specializes in car accidents. We are located in Atlanta, Georgia and are here to help you to get fair compensation for auto accidents that are not your fault.

Give us a call at (404) 848-8898.