Uber, Lyft and other ride-sharing companies provide a convenient and inexpensive means of transportation for people in urban areas all over the U.S. Unfortunately, ride-sharing company drivers occasionally get into accidents that result in injuries to their passengers, other drivers or pedestrians. Understanding how ride-sharing companies insure their drivers is important to recovering damages you may have an entitlement to.
Ride-share services typically have insurance policies for their drivers that apply when the drivers have passengers. For example, Uber uses a $1 million liability/$1 million uninsured/under-insured coverage policy for its drivers when they have passengers. This means that if an Uber driver has a passenger and then has an accident, the Uber insurance will pay the claim.
When ride-sharing service drivers don’t have a passenger, they are often covered only by their personal auto insurance. So, if they’re in an accident going to or from a fare, the Uber policy does not cover them. Only their own personal policy will cover them.
However, personal policies may exclude coverage of work activities such as driving for a ride-sharing company. Because ride-sharing company drivers are third-party contractors, it may limit the ability of victims to recover directly from the company.
Therefore, if you’re in an accident as a passenger of an Uber, Lyft or another ride-sharing car, you need to talk to a lawyer. This is because receiving compensation can be complicated.
IF YOU OR SOMEONE YOU KNOW HAS BEEN INVOLVED IN AN ACCIDENT INVOLVING AN UBER OR LYFT DRIVER,
CONTACT US AT (800) 722-9744 NOW
TO Speak To An Experienced Injury Lawyer FOR FREE.
Since 1996, the Law Offices of Marc J. Shuman & Associates have been helping auto accident victims, all injured victims and their families, to navigate the complex legal process. As experienced personal injury, worker’s compensation, auto accident, compensation, and wrongful death attorneys, we can help you evaluate the facts, assess your options, navigate the legal challenges and advocate on your behalf.