Rideshare services like Uber and Lyft are growing in popularity, but when
passengers are injured in an accident, liability can be confusing. These
services aren’t subject to the same regulations and laws that taxi
companies are, which can leave passengers in the lurch after an accident.
Learn more about liability in rideshare car accidents.
Liability in an Uber or Lyft
When a passenger is in the car, drivers and passengers alike should be
covered by the company’s insurance policy. Third parties injured
in an accident are also covered under this insurance policy, so long as
the driver is carrying a passenger. These companies typically carry uninsured
motorist policies, as well. While passengers should be covered, it is
also possible that the rideshare company’s insurance will deny a claim.
While there are no passengers in the vehicle and the driver has not accepted
a ride request, the driver’s own insurance policy will be responsible
for covering an accident. If you are riding in a car that is used for
a rideshare service, but you are not a passenger through the service,
any injuries will be covered by the driver’s personal insurance
or the insurance of the other driver, depending on who is at fault.
Drivers are often considered independent contractors, which releases the
company of most of the liability for accidents caused by the driver. If
your accident was caused by a driver who was driving drunk, was distracted,
or was driving recklessly, you may have few options to recover compensation.
If the company’s insurance policy doesn’t cover your accident,
you may have to rely on the driver’s insurance policy. Many policies
don’t cover personal vehicles when being used for work, such as
a rideshare service, though. Unless the driver has a commercial policy
for their vehicle, it is unlikely that you will be able to recover compensation
from the driver’s insurance company.
As an injured passenger, you may need to sue the rideshare company directly.
You may also file a lawsuit against the driver themselves, but it is likely
that a driver will have limited resources, and the amount of damages you
will receive will be greatly diminished. Your car accident attorney can
help you determine your options and help you take the best course of action
for your case.
Scarzafava & Basdekis, we are committed to protecting our injured clients. We understand the
pain and stress that can occur after an accident, and our Ostego Country
car accident lawyers are well-prepared to help you fight for the compensation you deserve.
Find out how our team can help you with your accident claim by scheduling
a free case evaluation with a member of our staff.
Contact our offices by calling (607) 229-1885 today.