Can I Choose My Own Repair Shop After A Car Accident?
The law says yes, you are well within your rights to choose your own repair shop after an accident, and there’s nothing the insurance company can do to stop you. They are allowed to give you recommendations, but the choice is ultimately yours. That being said, there are advantages – both for you and the insurance company – to going with the insurance company’s preferred repair shop. First, you don’t have to deal directly with the repair shop since all transactions go through the insurance company. Second, the insurance company provides a guarantee on repairs, meaning if you’re dissatisfied with the repairs for any reason, you can contact the insurance company and have them resolve the situation. Third, the shop doesn’t have to wait for approval from an adjuster to start repairs. As for the insurance company, they benefit from significant discounts on parts and labor … But they may also cut corners, partnering with unreliable repair shops that work with cheaper, lower quality parts. There are many reasons why you may want to go to another repair shop, and that’s perfectly fine – again, the choice is yours. However, the insurance claim representative will likely attempt to persuade you otherwise, telling you that estimates on your car will be needlessly delayed, that they won’t be able to warranty the repairs if you decide to have your car repaired at another shop. Don’t fret. As long as you go to a reputable repair shop, an experienced shop estimator will handle the estimate process and repairs efficiently. After all, it is in their best interests to do so. Do you have any questions regarding your auto accident injury claim? If so, contact the experienced personal injury attorneys at Wilshire Law Firm for answers. We can provide you with a comprehensive understanding of your legal rights and options in a FREE consultation.
Ride Sharing Accident Liability
Uber and Lyft Are Skirting Accident Liability In recent years, ride-sharing companies like Uber and Lyft have become titans in the transportation industry, seemingly making billions of dollars overnight and giving taxi companies a run for their money. Their app-based business model gives them an edge in today’s digital world, as more and more people are using their smartphones to complete transactions for a growing variety of products and services. However, not only are Uber and Lyft contributing to the now trending “sharing economy,” but they are also presenting a slew of complex liability issues. For instance: *Are passengers covered by Uber/Lyft insurance?* Who is liable if an Uber driver hits another car or a pedestrian? What happens if a third party is involved in the accident? While these issues are still being hashed out in various legal disputes and will continue to develop for years to come, Uber and Lyft have recently come under pressure, especially in California, to eliminate any ambiguity in their policies and regulations regarding insurance coverage in case of an accident. How Past Accident Cases Are Effecting Changes in Rideshare Company Policies Last New Year’s Eve, a six-year-old girl was killed when an Uber driver struck her along with her mother and brother at a crosswalk. In November 2014, a Lyft driver transporting two young men swerved to avoid a stalled car and hit a tree, killing one of the passengers, a 24-year-old Sacramento citizen. These tragic stories received extensive media coverage and attracted national attention, causing scrutiny of ride-sharing companies to intensify. In California, a state which tens of thousands of Uber and Lyft employees call home, Governor Jerry Brown signed ridesharing insurance legislation requiring companies to cover drivers from the moment they turn on their app. Since then, many other state legislators have followed suit, forcing the two major ride-sharing companies to concede to some of their demands, including expanding coverage to drivers who are logged into their apps at the time of an accident. What Insurance Coverage Does Uber and Lyft Have Today? As of today, both Uber and Lyft provide $1 million of liability coverage along with $1 million of uninsured/underinsured motorist coverage. However, this coverage only applies to cases involving injuries to passengers. What about accidents involving other vehicles, pedestrians, bicyclists, and the like, that occur when the driver is on call? As previously mentioned, drivers for both companies DO receive coverage as long as they are logged onto the app. Whether the coverage is adequate is another matter. Since commercial insurance is expensive, Uber and Lyft are doing everything they can to encourage drivers to get a personal injury policy. In fact, they recently announced a partnership with Metromile to sell a personal insurance policy that provides extra coverage during the gap period by using an in-car sensor to monitor driving. Also, insurers including Farmers’ Insurance, USAA, and Geico are coming up with their own special ride-sharing policies. (Photo By AAron Ontiveroz/The Denver Post) DENVER, CO. – FEBRUARY 10: Kevin Labonte, owner of Special Times Limousine, supplements his own fares with those he contracts out from Uber. State legislators may enact proposed changes supported by the taxi community that say Uber is an unregulated service. Though not regulated, Uber merely connects private drivers, who comply with all PUC regulations, to customers. This can become a problem when damages exceed the coverage provided by the driver’s policy – not an uncommon scenario when it comes to personal insurance. Since Uber and Lyft only provide uninsured/underinsured motorist coverage in their respective rider policies (passenger coverage), victims of on-call accidents are left to fend for themselves financially if the driver does not have adequate coverage. And There’s More We have extensively discussed liability issues surrounding ride-sharing companies and traffic accidents. But we haven’t even begun to cover cases involving assault, battery, sexual assault, or direct property damage committed by employees. This raises the question of whether Uber and Lyft are responsible for the criminal conduct of their drivers; however, this is an issue to be discussed in a future article. Protect Your Rights If you have been the victim of an accident involving a ride-sharing company driver and are in dire need of financial and legal support, call Wilshire Law Firm toll-free at (800) 522-7274. Our excellent attorneys can evaluate your claim, let you know where you stand, and fight to get you full and fair compensation for your losses. FREE 24/7 Consultation