Rideshares like Uber or Lyft can provide you a quick and easy ride around New Orleans. The companies have replaced cabs with their ease and low price. But what happens if a crash in a rideshare leaves you injured?

Medical bills from a car accident injury can be expensive. A settlement from an insurance company makes sure that you don’t have to pay the high costs of medical care out of your pocket. But in a rideshare accident, where the insurance money comes from depends on the type of accident.

When the accident is the other driver’s fault

Since Louisiana is an at-fault state for car accidents, the insurance of the at-fault driver pays for medical bills. If your rideshare driver did not cause the crash, you could make a claim against the other driver’s insurance.

However, if the other driver does not have insurance or the insurance does not cover your bills, both Uber and Lyft have uninsured/underinsured motorist coverage. The insurance company that covers your driver’s car through the rideshare app can pay for your medical bills.

When the accident is your driver’s fault

If your driver causes the crash, Uber and Lyft both have $1 million liability insurance for the ride. You can rely on this coverage to pay for your medical bills.

However, both Uber and Lyft have strict guidelines for when their insurance companies cover your injuries. The driver must have the app on and activated for your destination.

For example, if your driver shuts off the app during the ride, the protection from the rideshare company’s insurance goes away. You must rely on the driver’s personal auto insurance at that point.

Filing a lawsuit

Unfortunately, the insurance company may deny your claim or pay you less than you need. If that happens, you may be able to file a lawsuit against the at-fault driver. While a lawsuit can take longer than insurance does, it can help ensure that you have a way to pay for your medical bills.

Uber and Lyft can offer an easy and cheap way for you to get around the city. But you are still at risk of a car accident while in a rideshare.