Car accidents in O’Fallon, Missouri, are stressful enough on their own. Getting into one involving a Lyft can be even more confusing. Whether you are a passenger, a Lyft driver, or you were hit by a Lyft or Uber driver, you’re dealing with injuries, bills, and a lot of questions.
That’s where our experienced O’Fallon Lyft accident lawyers can help. At Beck & Beck Missouri Car Accident Lawyers, we know how frustrating it is to be caught in the middle of a situation you didn’t cause. You don’t need to know all the legal stuff. You just need someone who does — and who actually listens.
Need help with your Lyft car accident claim in O’Fallon, MO? With more than 35 years experience, our knowledgeable Lyft accident lawyers in O’Fallon, Missouri, can help. Call (636) 238-5934 now!
How Our O’Fallon Lyft Accident Lawyers Can Help You With Your Claim
In the aftermath of a Lyft accident, the last thing you need is more confusion. Our team is here to make things easier for you, not harder. We bring 35+ years of experience to the table and have recovered more than $105 million for our clients. That’s not just a number — it’s proof of real help for real people.
As experienced O’Fallon Lyft accident lawyers, we know how to deal with insurance, the paperwork, and the back-and-forth. Most people don’t realize it, but rideshare claims aren’t handled like regular car crashes. The rules are different, and getting paid isn’t always straightforward.
We’ll help you figure out if Lyft’s insurance applies to your case, whether the driver was on the app at the time, and how to go after the full amount you’re owed. Our goal is to make the process as smooth as possible while you focus on getting better.
Types of Lyft and Uber Accident Claims Our Attorneys Handle
Not every Lyft accident looks the same, and we’ve seen just about every type there is. Our team helps a wide range of people involved in rideshare crashes.
A question we hear a lot is whether passengers are protected in a rideshare accident. The short answer is yes, Lyft’s insurance covers passengers in most situations. However, that coverage isn’t always automatic.
That’s where we come in. We represent:
- Lyft passengers who were hurt while riding
- Lyft drivers who were hit by someone else
- Regular drivers who got caught up in a crash with a rideshare vehicle
- Cases for pedestrians, bicyclists, and even hit-and-run accidents that involve rideshare vehicles
We’ve even taken on claims where rideshares caused chain-reaction crashes or multiple-car pile-ups. These cases get complicated fast, so it’s important to work with someone who understands how the system works.
There’s often more than one insurance company involved in accidents involving rideshares, and we dig into the details and go after every possible source of compensation so you don’t leave money on the table.
Our award-winning O’Fallon Lyft accident lawyers are available 24 hours a day, 7 days a week to assist. Call (636) 238-5934 for a free initial consultation today!
Liability in Lyft and Uber Accidents in O’Fallon, MO
One of the first things that needs to be determined in a rideshare accident is who’s responsible. Sorting out liability when a rideshare is involved takes more than just looking at the police report. It takes experience.
For liability reasons, Missouri Revised Statutes § 387.414 says that rideshare companies have to carry insurance for their drivers, but the actual coverage depends on what the driver was doing at the time the accident happened.
Additionally, those companies don’t always make that information easy to collect. They might argue that the driver wasn’t logged in, wasn’t “actively engaged,” or that someone else was at fault.
That’s why having an O’Fallon Lyft accident attorney in your corner makes a difference. We know how to challenge these tactics and push for the full amount you’re owed.
Proving Negligence in a Lyft Accident
To win any accident claim, you need to be able to show that someone was careless. Proving negligence means showing that another person acted irresponsibly and that their behavior caused the crash.
In a Lyft crash, negligence could involve the rideshare driver, a different driver, or both. Maybe the Lyft driver was speeding, distracted, or ran a red light. Or perhaps, the other driver cut them off. Either way, we collect the evidence to prove what happened and who’s at fault.
Evidence might include:
- The police report
- Witness statements
- Dash cam or traffic cam footage
- Surveillance video
- Lyft’s app data showing the trip details
- Driver phone records (to check for distracted driving)
We also work with accident experts when needed to show exactly how the crash happened. The more solid your evidence is, the harder it’ll be for insurance to deny your claim.
Understanding Insurance in Missouri Rideshare Accident Claims
Insurance is confusing by nature, but it’s more so for rideshare situations. In plain terms, who pays depends on what the driver was doing when the crash happened. Lyft drivers in Missouri are covered by a mix of their own personal insurance and Lyft’s commercial policy.
Here’s how it generally works:
- If the app was off, only the driver’s personal insurance applies, and Lyft isn’t involved
- If the app was on and the driver was waiting for a ride, Lyft offers limited coverage of $50,000 for injuries, $100,000 total per accident, and $25,000 for property damage
- If the driver was picking up or dropping off a passenger, Lyft provides up to $1 million in liability coverage
All of this is required and backed by state law, but that doesn’t mean Lyft will hand over the money easily. We know their playbook, and we’ll figure out which policy applies to your situation so you don’t have to sort out the insurance mess yourself.
If someone besides the Lyft driver was at fault, we’ll go after the other driver’s insurance instead. And if the person who hit you had no insurance, Lyft also carries uninsured motorist coverage in most cases.
Compensation for Lyft and Uber Accidents
The types of compensation available for victims of a Lyft accident depend on your injuries, your financial losses, and how the crash ultimately impacted your life. Generally, most people are able to recoup their losses for:
- Medical bills
- Lost wages
- Diminished earning capacity
- Pain and suffering
- Property damage
- Any anticipated future costs
Compensation can also include emotional distress, mental health treatment, loss of enjoyment of life, or modifications that need to be made to your home if your injuries require them to make your life easier. We look beyond the basics to understand how the crash changed your life and make sure the compensation reflects that.
Additionally, some injuries take weeks or even months to fully show up. That’s why it’s important to think beyond today’s bills and look at how this could affect your health, work, and daily life long term. We factor in all of that when we build your case.
When Should I File My O’Fallon Lyft Accident Claim?
If you’ve been in an accident that involves a Lyft driver, it’s best to act sooner rather than later. In Missouri, you only have a limited amount of time to file a personal injury claim. According to Missouri Revised Statutes §516.120, you typically have five years from the day of the accident to file a lawsuit.
It sounds like a long time, and it’s longer than what many states allow, but waiting can seriously hurt your case. The longer you take to file, the harder it becomes to track down evidence, contact witnesses, and get access to rideshare app data. Insurance companies also take delays as a reason to push back or deny claims altogether.
If you’re not sure whether you even have a case, that’s okay. We’ll talk it through with you and give you straight answers without any pressure. Keep in mind, though, that the clock is ticking. Getting started early gives you the best shot at collecting full compensation.
Don’t wait until your bills pile up or your injuries get worse. The sooner you talk to an O’Fallon Lyft accident lawyer, the sooner we can start working to protect your rights.
Skilled Lyft and Uber Accident Law Firm in O’Fallon, Missouri
At Beck & Beck Missouri Car Accident Lawyers, car accidents are all we do, and that includes complicated rideshare cases across Missouri. Whether you were hurt in O’Fallon, another area of St. Louis, or anywhere else in the state, our team knows how to take on Lyft and the insurance companies behind them.
You don’t have to figure this out. Let a trusted O’Fallon Lyft accident lawyer fight for the compensation you’re entitled to. Contact us today to schedule a free consultation for your case and find out how we can help you move forward.
Locations which our law firm has helped victims of rideshare accidents include St. Louis, Florissant, Kansas City, MO, Independence, Jefferson City, Springfield, Cape Girardeau, and more.
