Over the past few years, ride-sharing companies like Uber and Lyft have been dominating the transportation market. There are plenty of reasons as to why ridesharing is so prevalent – they are easy and quick to use, they are more affordable than your standard taxi, and they cover areas typical taxi cabs won’t.
Unfortunately, there are plenty of risks associated with ridesharing, namely traffic accidents. Since the concept is relatively new, many people are unaware of what exactly could happen when one ends up colliding with a ridesharing vehicle or even what happens to the passenger in a ridesharing vehicle. Who is held liable? Would it be a ridesharing service? Or the drivers of the vehicle?
This is where Steinberg Law excels. If you are in the Palm Beach Gardens area, Steinberg Law’s attorneys will not only inform you on ridesharing accidents but also provide you with a free consultation should you ever experience a ridesharing vehicle accident. Any personal injury lawyer from the law firm also guarantees high quality work in order to ensure that you receive the compensation you deserve.
Ridesharing accidents – who is liable?
An official taxi or bus will usually have company-delivered insurance policies, but insurance involving ridesharing services, with the drivers being independent contractors, is a little different.
Lyft and Uber both offer insurance coverage for drivers. Lyft, for example, only offers contingent liability insurance coverage when “driver mode is on.” This means that insurance is only activated when driver mode in the rideshare app is on before the driver receives a ride request. However, personal insurance takes priority over Lyft’s insurance, unless it’s between when the driver accepts the ride request until the ride has ended. Primary automobile liability coverage (typically $1 million), contingent comprehensive and collision, and uninsured/underinsured motorist (UM/UIM) is also activated when the driver receives the match notification.
As for the policy? $50,000 maximum limit per person, $100,000 maximum limit per accident, and $25,000 maximum limit for property damage, though it may be modified to comply with city or state specific regulations. Furthermore, this policy covers all states in the U.S., except for one location – New York City (with a Taxi and Limousine Commission) driver.
To put it simply, Lyft will cover you if you end up in a ridesharing accident as the passenger or even as another driver, but only if the driver is in the middle of one of their shifts. Otherwise, you may end up dealing with driver’s personal insurance company. If you happen to the driver of the ridesharing vehicle, your injuries may not be covered if you are deemed “at fault”. Uber has a similar stance on insurance, as well as a similar insurance policy. Of course, these companies may attempt to avoid paying you when necessary, so you should seek a Lyft car accident lawyer or an Uber accident lawyer.
Fortunately, there are consumer insurance companies out there, such as Progressive, that offer rideshare insurance coverage for rideshare drivers.
Overall, if you’re a passenger in a ridesharing vehicle, it is incredibly likely that you’ll be covered. However, if you’re another driver that is involved in a ridesharing accident, you may have to deal with the rideshare driver’s personal insurance, which may have some exclusions on the policy, if the driver is ridesharing in the first place.
Types of ridesharing accident injuries
There are several types of ridesharing accident injuries that may happen in the event of an accident:
- Knee injuries. Knee injuries can occur from the impact with the dashboard or steering wheel in an accident.
- Back and spine injuries. Back and spine injuries are some of the most common injuries to result from car accidents. Unfortunately, damage to the spinal cord may be incurred, leading to significant nerve damage and potentially permanent paralysis.
- Shoulder injuries. Shoulder injuries are also common. Unfortunately, even when the shoulder recovers, shoulders can remain in pain chronically.
- Traumatic brain injuries. Traumatic brain injuries are the most common injuries occurring from automotive accidents. During the collision, the drivers and passengers often slam their heads into the steering wheels, dashboards, or even the windows, especially if the airbags don’t deploy. Traumatic brain injuries can be mild, but they can also result in comas and permanent brain damage, leading to extensive care and treatment.
- Broken bones. Bones tend to shatter in high-impact vehicle accidents.
- Lacerations. Lacerations can occur from the glass that shatters post-collision. Many of those lacerations can leave scars that last for years.
- Chest and neck injuries. Whiplash occurs when a car collides with anything. This is the sudden movement between the head and the neck, which can cause major ligament and muscle damage.
- Traumatic cardiac arrest. In those who have sensitive heart conditions, a car accident may cause a sudden heart attack.
- Internal organ damage. Visible injuries are an issue, but what often goes unnoticed initially is internal bleeding and organ damage.
The likelihood of an ending up in a ridesharing accident
If you’re a passenger in a ridesharing vehicle, you should know that the chances of being in an accident are no different than being in an accident with any other typical car. As long as the ridesharing driver holds a valid Class C driver license (and passes a background check), your risk of death remains the same as any other vehicle. The same goes for being the driver of another vehicle.
Please seek a free consultation with a ridesharing accident lawyer
If you have recently been in a ridesharing accident, feel that you are entitled to compensation (or have been underpaid) for your injuries, and are in the Palm Beach Gardens area, it is highly recommended that you consult a personal injury attorney specializing in ridesharing accidents for legal advice. This is whether you are the driver of another vehicle, a passenger of the ridesharing vehicle, or the driver of the ridesharing vehicle who may not have been at fault, as ridesharing companies may avoid paying you. A rideshare law firm will help you seek compensation for the following:
- Wrongful death
- Lost wages
- Lost time
- Loss of quality of life
- Medical treatment and expenses
- Rehabilitation and physical therapy expenses
Call Steinberg Law today – you’ll immediately receive quality help from an Uber accident lawyer or Lyft accident lawyer (or for any other ridesharing service) so that you can focus on your recovery.