Uber and Lyft have proven to be accessible, cost-efficient, and dependable means of transportation, especially in New York City. Unfortunately, these ridesharing services are not accident-proof, and if you are someone who was injured in an Uber/Lyft accident, you are most likely seeking financial compensation. Here are some of the questions you may have regarding the legal process going forward and how a personal injury attorney can help:
How do I know if I qualify for compensation after an accident?
To win financial compensation, you will have to hire an attorney who can prove that you were injured as a direct result of another motorist’s negligence. Unfortunately, this is oftentimes far less straightforward than it may seem, which is why you ensure you hire an attorney who knows how to effectively collect and assemble evidence to prove your personal injury claim. Our firm has years of experience winning clients the compensation they need for a swift recovery. Why not let us help you?
Does Uber or Lyft have liability coverage?
Uber and Lyft have guidelines for their liability coverage policies. They are as follows:
- Period 0: This is when the driver was not logged into the rideshare app at the time the accident occurred. In this case, Uber or Lyft will not provide coverage.
- Period 1: When the driver is logged in but has not accepted a ride, the company will provide liability coverage for an accident that is the driver’s fault. In this case, Uber or Lyft will contribute up to $50,000 per person harmed 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 when the accident occurred, Uber/Lyft’s liability coverage will increase to $1 million.
- Period 3: If the rider is in the Uber/Lyft car at the time of the accident and was injured as a result, liability coverage goes up to $1 million, plus limited coverage for damage to the driver’s car and uninsured motorists’ coverage.
It is also worth noting that since in New York City, Uber and Lyft are regulated by the NYC Taxi and Limousine Commission. This means that every Uber and Lyft vehicle requires a commercial insurance policy. Therefore, accidents that happen on rides originating in New York City are covered by the commercial insurance policies maintained by the driver.
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Our entire legal team is dedicated to providing the advice you need and the personalized attention you deserve. If you have been injured due to another party’s negligence, call 212-421-0300 or fill out our contact form to schedule a free consultation with a New York City personal injury lawyer. You may be entitled to financial compensation, which can help you on your road to recovery.