Were you injured in a Tennessee rideshare accident? Services like Uber and Lyft make transportation easier, but that convenience does not eliminate the risk of a serious crash. Whether you were a passenger, another driver, a pedestrian, or a cyclist, a rideshare collision can leave you with painful injuries, medical bills, missed income, and questions about who is responsible.
At Marr Law Firm, we know how confusing the aftermath of a rideshare accident can be. You may not know whether to contact the rideshare driver’s insurer, the rideshare company, your own insurance carrier, or another party. A personal injury lawyer serving Tennessee can help you understand your rights and take the right steps after the crash.
With more than 11 years of experience helping injured people, our team is ready to represent you as your rideshare accident lawyer serving Tennessee. We can investigate the collision, handle insurance issues, and pursue the compensation you deserve.
Rideshare Insurance Coverage in Tennessee
Tennessee rideshare accident claims can involve different layers of insurance coverage depending on what the driver was doing at the time of the crash. The driver’s status in the rideshare app is important because it can affect which policy applies and how much coverage may be available.
You do not have to figure out these insurance issues on your own. Your rideshare accident attorney serving Tennessee can review the facts, determine which coverage may apply, and handle communications with insurers. Still, it can help to understand how coverage often changes during different parts of a rideshare trip.
Here are three common situations that may affect insurance coverage after a Tennessee rideshare accident.
App Off
When a rideshare driver is not logged into the app, they are generally considered off duty. If they cause a crash while the app is off, their personal auto insurance policy is usually the first source of coverage.
App On, No Passenger
If the rideshare driver is logged into the app and waiting for a ride request, limited rideshare insurance coverage may apply if a collision occurs. This stage can be especially important because the driver is available for rides but has not yet accepted a trip.
Limited coverage during this period may include:
- Bodily injury coverage per person
- Bodily injury coverage per accident
- Property damage coverage
En Route or Transporting Passengers
Once a rideshare driver accepts a trip and is either on the way to pick up a passenger or actively transporting someone, higher insurance coverage may be available through the rideshare company’s policy.
In Tennessee, this coverage period can be critical for injured passengers, other motorists, pedestrians, and cyclists. A lawyer can review app records, trip data, insurance policies, and other evidence to determine whether the crash happened during an active rideshare trip.
Liability in Rideshare Accidents
Determining fault after a Tennessee rideshare accident can be complicated. More than one person or company may have contributed to the collision, and each party’s role must be carefully investigated.
Possible liable parties may include:
- The rideshare driver
- Another driver involved in the crash
- The rideshare company, depending on the facts and applicable insurance coverage
- A vehicle owner
- A vehicle manufacturer or parts manufacturer
- A maintenance company
- A government entity responsible for unsafe road conditions
A rideshare accident lawyer serving Tennessee can collect evidence, review police reports, gather witness statements, obtain available app or trip records, and determine who may be responsible for your injuries.
Statute of Limitations for Rideshare Accidents in Tennessee
In Tennessee, personal injury lawsuits generally must be filed within one year. However, the exact deadline can depend on the facts of your case, the type of claim involved, and whether any special circumstances apply.
If you miss the applicable deadline, you may lose your right to seek compensation through the court system. That is why it is important to speak with a rideshare accident lawyer serving Tennessee as soon as possible after the crash.
Your attorney can identify filing deadlines, preserve evidence, determine which insurance policies may apply, and make sure your claim is handled properly from the beginning.
What Comparative Negligence Rules Could Mean for Your Rideshare Accident Case
Tennessee’s modified comparative fault rules may affect how much compensation you can recover after a rideshare accident. If more than one party contributed to the crash, fault may be divided among the people or entities involved.
For example, if an injured rideshare passenger is found partly responsible because they distracted or interfered with the driver, their compensation may be reduced by their percentage of fault. If total damages are valued at $100,000 and the passenger is found 25% responsible, the available recovery may be reduced to $75,000.
Because Tennessee follows a modified comparative fault system, being assigned too much fault can prevent an injured person from recovering compensation. Insurance companies may try to shift blame, so it is important to have an attorney who can challenge unfair fault arguments and protect the value of your claim.
Contact Us Today to Meet With Rideshare Accident Attorneys Serving Tennessee
Tennessee rideshare accident cases can involve multiple parties, disputed liability, app-based trip records, and layered insurance policies. These details can make the claims process confusing, especially if you are also dealing with injuries, medical treatment, and time away from work.
You do not have to handle the process alone. A rideshare accident attorney serving Tennessee can take over the legal work, communicate with insurers, investigate the crash, and represent you from start to finish.
Do not let the aftermath of a rideshare collision overwhelm you. Reach out to Marr Law Firm as soon as possible. Let us review your case, explain your options, and help you pursue the compensation you deserve.
