Know Your Rights
Ridesharing services such as Uber and Lyft have become a popular transportation choice for many. However, ridesharing accidents have become more common with the increased use of these services. If you're injured in such an accident, you may wonder who you can pursue a personal injury claim against. Continue reading to learn more.
Understanding Liability in Ridesharing Accidents
The question of liability in a ridesharing accident can be complex because it involves both the driver and the ridesharing company. Generally, the driver is an independent contractor, not an employee of Uber or Lyft. Therefore, the driver's personal auto insurance is typically the first line of defense in a claim.
However, personal auto insurance policies often exclude coverage for commercial activities, such as ridesharing. In these cases, Uber and Lyft provide third-party liability coverage. If the driver's insurance denies the claim or damages exceed the driver's coverage limits, you could pursue a claim against Uber or Lyft.
When Can You Pursue a Claim Against Uber or Lyft?
Both Uber and Lyft carry $1 million in liability and uninsured/underinsured motorist coverage. If you're injured in an accident caused by an Uber or Lyft driver, or if another driver is at fault and doesn't have sufficient insurance, you can pursue a claim against Uber or Lyft itself.
It's important to note that this coverage applies from when the driver accepts a trip to its conclusion. If an accident occurs when the driver is not logged into the app or is available but has yet to accept a trip, the company's insurance may not cover the damages.
Work With Hartford Personal Injury Attorneys
In conclusion, if you're injured in a ridesharing accident, you must consult with an experienced personal injury attorney to understand your rights and options. They can help you navigate the complexities of these claims and work to ensure you get the compensation you deserve.