Each day, hundreds of thousands of people in the United States utilize rideshare applications such as Uber and Lyft. While these apps have grown in popularity due to the convenience they offer in getting from one destination to another in a timely manner, they are not perfect. As with any other vehicle, accidents can still happen resulting in serious injury to passengers. When a passenger is involved in an Uber or Lyft accident, they may be wondering what to do and whether or not they are eligible to recover damages for injuries related to the crash.
Ridesharing and Car Accidents
One of the biggest questions users face is what to do when their vehicle is involved in an accident and they are injured. Generally speaking, the at-fault driver, whether it be the rideshare driver or another driver, must take financial responsibility. However, in some cases, the rideshare company’s own car insurance coverage may take hold.
The rideshare driver’s car insurance would theoretically apply to the passenger’s injuries – but only if he or she has a commercial policy or a personal car insurance policy with a provision providing for insurance when they are engaged as a rideshare driver. However, most rideshare drivers do not have such policies.
Rideshare Liability Insurance
Therefore, the passenger would look to Uber or Lyft’s third-party liability insurance coverage, which pays up to $1 million for personal injuries and property damage per accident. This insurance policy would take effect only if the rideshare driver’s policy, if applicable, fails to fully compensate you.
In a situation where a third-party driver is at fault, you would look to recover from the third-party driver through their car insurance policy or a personal injury lawsuit.
If this still fails to fully compensate you, the rideshare company’s uninsured/underinsured (UM/UIM) insurance coverage would kick in. This coverage generally also provides $1 million in coverage per accident.
Since Uber and Lyft drivers are legally held as independent contractors by these companies and not employees, these rideshare companies are not liable for the negligence of their drivers, making it much harder to go after them directly, rather than through their liability of UIM coverage.
With so many complex legal issues still at play, it is important to consult with a knowledgeable and experienced Connecticut Personal Injury Attorney who can explain your options and your rights and help you to achieve the best outcome.
The Attorneys at Carter Mario Law Firm Can Help
If you or a loved one has been involved in an Uber or Lyft accident, you need an experienced Connecticut Car Accident Lawyer at your side. Let Carter Mario Law Firm protect your rights and fight to secure full & fair compensation for your losses. Just call (203) 806-9256 today. You can also submit a FREE Initial Consultation Form online.