Ridesharing services are now used all over the City and its surrounding areas, and they are generally regarded as a safe, affordable means to get from place to place. Unfortunately, sometimes Uber/Lyft drivers behave negligently and cause an accident, where you are injured as a result. Here are some of the questions you may have about how you can hold a negligent Uber or Lyft driver accountable for his or her negligence:
What can cause a car accident?
Car accidents often happen suddenly and without warning, and though poor weather or road conditions, negligent road design, faulty car parts and more sometimes cause accidents, the most common culprit is driver negligence. Some examples of driver negligence are as follows:
- Texting and driving
- Driving under the influence
- Unsafely changing lanes, or failing to check blind spots
- Driving while fatigued
- Disregarding all other rules and regulations of the road
If you were injured as a passenger in a ridesharing accident, you are most likely now seeking financial compensation, as the accident was simply not your fault. Read on to learn more about how you can recover the compensation you need.
How do I recover financial compensation after an Uber or Lyft accident?
The key to filing a successful lawsuit is satisfying the burden of proof. This means that you must prove you were injured due to another party’s negligence. To do so, your attorney will recover security camera footage of the accident as it happened, pictures of the injuries you have sustained, medical documents, police reports, and more.
What is Uber/Lyft’s liability coverage?
There are several different factors that impact Uber and Lyft’s liability coverage, primarily because Uber and Lyft drivers are considered independent contractors. Because of this, whether their insurance will cover your accident depends upon whether they were on the clock at the time. The Uber/Lyft liability coverage system is broken down as follows:
- Period 0: If the driver was not logged into the rideshare app at the time of the accident, Uber/Lyft will not provide coverage.
- Period 1: If the driver is logged in but has not yet accepted a ride, the company will provide liability coverage for an accident that is the driver’s fault. Uber/Lyft will provide up to $50,000 per person injured in the accident, $100,000 in total injury liability per accident, and $25,000 in property damage liability.
- Period 2: If the Uber/Lyft driver accepted a trip and is en route to pick up a passenger, their liability coverage will increase to $1 million.
- Period 3: If the rider is in the Uber/Lyft car, liability coverage is up to $1 million, plus limited coverage for damage to the driver’s car and uninsured motorists’ coverage.
Uber/Lyft rides in New York City are regulated by the NYC Taxi and Limousine Commission, which requires commercial insurance policies for each individual vehicle. Accidents that happen on rides originating in New York City are covered by those commercial policies that are maintained by the driver. Outside New York City, Uber/Lyft may partner with drivers who are licensed and insured commercially by other jurisdictions, and accidents happening on those rides are covered by the commercial insurance maintained by the driver.
Contact our experienced New York firm
The Law Offices of Laurence C. Tarowsky is proud to serve clients in New York City and the surrounding areas after they have been injured by someone else’s negligence. For a consultation, contact our office today.