Liability in an Uber or Lyft accident depends on several factors, including who caused the crash and the driver’s status at the time of the accident. If the Uber or Lyft driver is at fault, they may be personally liable. Still, their insurance coverage will vary based on whether they were off-duty, waiting for a ride request, or actively transporting passengers.
If another driver caused the accident, that driver’s insurance would typically be responsible for covering the damages. Uber and Lyft also provide additional insurance coverage when their drivers are on duty, which can protect passengers and third parties in certain situations. If an accident has occurred, a Long Island car accident lawyer will fight for your rights.
Is the Uber or Lyft Driver Always Liable in a Rideshare Accident?
In many cases, Uber or Lyft drivers may be liable if they cause an accident. This usually occurs through negligent behavior, such as distracted driving or speeding. However, liability depends on their status in the app at the time of the crash.
- Offline or off–duty drivers: When the driver is not logged into the Uber or Lyft app, their personal insurance is responsible for covering any damages.
- Driver logged into the app but not transporting passengers: If the driver is waiting for a ride request, Uber or Lyft’s contingent liability coverage may apply. This kicks in only if the driver’s personal insurance does not cover the damages.
- Driver en route to pick up passengers or actively transporting them: When a driver is on their way to pick up a passenger or is carrying passengers, Uber or Lyft’s liability coverage applies. This coverage protects both passengers and any third parties involved in the accident.
If determining liability in an Uber or Lyft accident is questionable, it can help to speak to a New York City personal injury lawyer.
Can Uber or Lyft Be Held Responsible for the Accident?
Uber and Lyft argue that their drivers are independent contractors, which limits the companies’ liability in most cases. However, both companies provide insurance coverage that can protect passengers, drivers, and third parties involved in an accident.
- When the driver is logged into the app: Uber and Lyft’s contingent liability coverage applies when the driver is logged in but not carrying passengers. If the driver’s personal insurance doesn’t cover the accident, this policy offers additional coverage. During an active ride: Uber and Lyft offer further liability coverage when a driver is either en route to pick up passengers or actively transporting them. This insurance protects passengers and third parties who may be injured in the accident.
While Uber and Lyft may not be directly responsible, their insurance policies help cover damages during specific periods.
What if Another Driver Caused the Uber or Lyft Accident?
When another driver is responsible for an accident involving Uber or Lyft, the at-fault driver’s insurance typically covers the damages for the rideshare driver and passengers. In such cases, passengers can file claims through the responsible driver’s insurance to seek compensation for any injuries or losses.
However, Uber’s insurance and Lyft’s resources for drivers provide additional coverage for their drivers and passengers when the at-fault driver’s insurance is insufficient or unavailable. This extra layer of protection ensures that both the rideshare driver and passengers can receive compensation, regardless of the other driver’s coverage limits.
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What Should You Do After an Uber or Lyft Accident?
Taking the right steps after an Uber or Lyft accident is crucial for protecting your rights. Whether you were a passenger, a driver, or a third party, the following steps are important:
- Seek medical attention immediately: Even if injuries seem minor, getting checked by a doctor is important.
- Document the scene: Take photos of the accident, vehicle damage, and any injuries. Collect contact information from witnesses and the other parties involved.
- Report the accident to Uber or Lyft: Both companies require you to notify them about any accidents as soon as possible.
- Consult an attorney: An experienced lawyer can guide you through the process of determining liability and navigating insurance claims.
Following these steps can help ensure that you receive the compensation you deserve after the accident. It is crucial to understand how you can protect your rights after a car accident.
Can Passengers Sue Uber or Lyft After an Accident?
Passengers injured in an Uber or Lyft accident may wonder if they can sue the company. While Uber and Lyft provide significant insurance coverage, passengers may pursue additional compensation in some instances.
If a passenger believes Uber or Lyft acted negligently—for example, by allowing a driver with a history of unsafe behavior to continue driving—they may have grounds for a lawsuit. However, this is rare, as the companies’ insurance policies are usually sufficient to cover the damages caused by an accident.
Protect Your Rights After an Uber or Lyft Accident
Accidents involving Uber or Lyft can raise complicated liability questions, but understanding your options is key to ensuring you receive compensation. Whether the driver, the company’s insurance, or another party is responsible, it’s important to take the right steps after the accident.
If you’ve been involved in an Uber or Lyft accident and need help determining who is liable, contact Levine And Wiss today. Our experienced attorneys are ready 24/7 to fight for your rights and help you recover the compensation you deserve.
