Mississippi
Rideshare Lawyer

Rideshare services like Uber and Lyft offer convenience, but accidents create unique challenges. A Mississippi rideshare lawyer can determine which insurance company to file a claim with and how to build a strong case.

TopDog Law connects victims of rideshare accidents with local Mississippi attorneys ready to help—call (769) 247-5049 to discuss your options.

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Your Guide to Mississippi Rideshare Accident

James Helm, Personal Injury Lawyer

How Rideshare Insurance Works in Mississippi (And Why It’s Confusing)

Accidents involving Uber or Lyft cars happen daily across Mississippi. You might have been a passenger in the rideshare vehicle, the rideshare driver, someone in another car hit by the rideshare, or even a pedestrian or cyclist. 

The main difference between a standard car accident and a rideshare accident involves insurance coverage. 

Rideshare companies like Uber and Lyft carry substantial insurance policies, but accessing them depends on specific circumstances, mainly related to the driver’s status within the app when the crash occurred. A Mississippi rideshare lawyer can help determine which policies apply.

Insurance rules for rideshare vehicles aren’t straightforward. Coverage often depends on what the driver was doing at the exact moment of the collision. 

There are generally three phases:

  • The Driver’s App Is Off: In this case, usually, only the driver’s personal car insurance applies. Some individual policies might deny coverage if they were driving for work.
  • The Driver’s App Is On, Waiting for a Ride Request: If the driver’s personal insurance doesn’t cover the incident, rideshare companies typically provide limited liability coverage during this phase.
  • The Driver has Accepted a Ride Request or Has a Passenger: This is when the rideshare company’s largest commercial insurance policy usually takes effect, offering higher liability coverage limits.

It’s challenging to determine which phase applies, and to deal with multiple potential insurance companies, especially if an adjuster tries to deny a claim or shift blame.

A Mississippi rideshare attorney can untangle the mess with the app’s status and file a claim with the proper insurance company.

Common Injuries and Losses in Mississippi Rideshare Crashes

Even if you’ve already seen a doctor, it’s important to recognize the full scope of potential harm from a rideshare accident. Injuries can range from minor whiplash and bruises to severe conditions like broken bones, spinal cord damage, or traumatic brain injuries.

Beyond physical injuries, you likely face other losses. These can include:

  • Damage to your vehicle or personal property
  • Lost income if you couldn’t work due to your injuries
  • Significant pain and suffering
  • Loss of enjoyment of life

Mississippi law allows accident victims to seek compensation for these damages from the responsible party. An experienced rideshare accident attorney in Mississippi can total all of your losses and fight for fair payment.

Why You Need Guidance From a Mississippi Rideshare Lawyer

Navigating the aftermath of a rideshare accident alone puts you at a disadvantage. Insurance companies have large legal teams working to minimize payouts.

Here’s why connecting with legal help is beneficial.

Complex Insurance Issues

As mentioned, determining which insurance policy applies is tricky. A Mississippi rideshare accident attorney understands the nuances of insurance laws and policies. They can identify all potential sources of coverage and handle communications with insurers.

Determining Liability

Liability isn’t always clear in a crash. Was the rideshare driver negligent? Was another driver responsible? Establishing fault requires investigation, gathering evidence like police reports, witness statements, and sometimes accident reconstruction.

Dealing With Insurance Adjusters

Insurance adjusters represent the insurance company’s interests, not yours. They want to settle claims quickly and for the lowest amount possible. A rideshare accident lawyer is your advocate, protecting you from pressure tactics and negotiating assertively on your behalf.

Calculating Your True Damages

It’s easy to underestimate the total cost of an accident. A rideshare lawyer in Mississippi can calculate your total damages to help cover all current and future medical expenses, lost wages (including potential future lost earning capacity), property damage, and pain and suffering.

Meeting Legal Deadlines

Mississippi has a strict time limit for filing a personal injury lawsuit, known as the statute of limitations. You typically have three years from the collision date to file a claim. Missing this deadline means losing your right to seek compensation through the courts.

Personal Injury Lawyer

Frequently Asked Questions About Mississippi Rideshare Accidents

What Should I Do Immediately After a Rideshare Accident in Mississippi?

Gather contact and insurance information from all drivers involved, including the rideshare driver’s personal insurance and the rideshare service they were driving for. Take photos or videos of the accident scene, vehicle damage, and visible injuries. Photograph your injuries as they heal, too.

Get names and contact information for any witnesses. Avoid discussing fault at the scene. Then, contact TopDog Law, which can evaluate your case and connect you with a Mississippi rideshare accident attorney.

Who Pays for Damages if the Rideshare Driver Wasn’t at Fault?

If another driver was solely responsible for the accident, you would typically file a claim against that driver’s insurance policy first. However, situations can be complex. 

If the at-fault driver is uninsured or underinsured (doesn’t have enough coverage), you might still be able to access coverage through the rideshare company’s Uninsured/Underinsured Motorist (UM/UIM) policy, depending on the circumstances and the specific policy details. 

A Mississippi rideshare attorney can help you explore all available options.

How Does a Mississippi Rideshare Lawyer Determine Liability After an Accident?

Liability, or legal fault, is determined based on negligence. This means figuring out who failed to act with reasonable care and caused the accident. 

Evidence used to determine fault includes the police report, witness statements, photos/videos from the scene, traffic laws, vehicle damage analysis, and sometimes data from the rideshare app (like GPS records). 

Your attorney can investigate to establish who was legally responsible for causing the crash and your injuries.

Secure Your Rights After a Mississippi Rideshare Crash

James Helm with Phone and Cash Bag

TopDog Law Personal Injury Lawyers

Mississippi Office

317 E Capitol St suite 200C
Jackson, MS 39201

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