Increase in Rideshare Accidents in Maine: Who’s Liable?

Rideshare services like Uber and Lyft have transformed transportation in Maine, offering convenience and affordability to residents and visitors alike. However, with the rise in rideshare usage comes an increase in accidents involving Uber and Lyft vehicles. These collisions present unique legal challenges, particularly when it comes to determining liability and securing fair compensation for injured victims.

Unlike traditional car accidents where fault is typically assigned to one of the drivers involved, rideshare accidents introduce multiple parties who may share liability, including:

• The Rideshare Driver – If an Uber or Lyft driver is negligent (e.g., speeding, distracted driving, or running a red light), they can be held responsible for the accident.
• The Rideshare Company – Uber and Lyft provide liability insurance coverage for their drivers, but whether this coverage applies depends on what stage of the ride the driver was in at the time of the crash.
• Another Driver – If another motorist caused the accident, that driver’s insurance would be responsible for covering damages.
• Vehicle Manufacturers or Maintenance Providers – If a vehicle defect or poor maintenance played a role in the crash, the manufacturer or repair shop could be held liable.

Rideshare companies provide insurance coverage for their drivers, but the level of coverage varies based on the driver’s status at the time of the accident:

• Driver Not Logged Into the App: If the driver is not actively using the rideshare app, their personal auto insurance applies.
• Driver Logged In, Waiting for a Ride Request: Uber and Lyft provide limited liability coverage ($50,000 per person, $100,000 per accident, and $25,000 for property damage).
• Driver En Route to Pick Up a Passenger or During a Ride: The highest level of coverage applies, with Uber and Lyft providing up to $1 million in liability insurance.

Unlike standard car accident cases, rideshare accident claims can be more complex due to:

• Insurance Company Disputes: Rideshare companies often try to minimize payouts by arguing that the driver was an independent contractor, not an employee.
• Multiple Insurance Policies: Victims may have to navigate claims with multiple insurance providers (the rideshare company’s policy, the driver’s personal insurance, and other involved drivers’ insurers).
• Delayed or Denied Claims: Uber and Lyft have been known to challenge liability in accident cases, making it difficult for victims to receive timely compensation.

If you are involved in an accident as a rideshare passenger, pedestrian, or driver, follow these steps to protect your claim:

1. Seek Medical Attention – Your health and safety should be the top priority.
2. Call the Police – A police report will document the accident details, which is crucial for your claim.
3. Gather Evidence – Take photos of the scene, get witness contact information, and note key details about the rideshare trip.
4. Report the Accident to Uber/Lyft – Notify the rideshare company through their app.
5. Consult a Personal Injury Attorney – An experienced lawyer can help navigate the complexities of rideshare accident claims and maximize your compensation.

At Peter Thompson & Associates, we have extensive experience handling complex personal injury cases, including those involving rideshare accidents. Our team is dedicated to ensuring that victims receive the compensation they deserve, whether from the rideshare company, an at-fault driver, or an insurance provider.

If you or a loved one has been injured in a rideshare accident in Maine, contact us today for a free consultation. We will fight to protect your rights and help you navigate the legal challenges unique to Uber and Lyft accident claims.