Law Offices of Paul K. Schrier, PLLC

Rideshare Accidents: Risks and Liabilities You May Not be Aware Of

With ride-sharing services such as Lyft and Uber growing in popularity rapidly, accidents that involve drivers of these services are also going up. Unfortunately, there are still a number of questions that are unanswered regarding the insurance coverage these companies have.

rideshare-accident-attorney-in-MIamiFl.jpgIf you are involved in an accident where you were a passenger in a rideshare or where the other driver was on duty for a ride-sharing company, then you likely have questions regarding who is going to be responsible for the compensation you may be due. Since TNCs (Transportation Network Companies) are still somewhat new, there are not many regulations in place to deal with all the possibilities. While the best thing you can do is to contact an expert Miami car accident attorney for help, there are a few bits of information that may also be helpful.

Common Questions after a Ride-Share Accident

If you have suffered an injury in an accident that involved an Uber driver, you likely have some of the following questions:

  • Are drivers for Uber insured by the company, or do they carry their own insurance?
  • Are your injuries and damages going to be covered by their insurance?
  • How much can you collect after this type of accident?

The fact is, drivers working for Lyft, Uber and other ride-sharing companies are considered independent contractors. While they have gone through a minimal background check and had their vehicle inspected, there is not much provided in regard to driver training. As a result, riders have no way to know if their driver is going to provide them with a safe experience.

Also Read: 5 Actions to Avoid after a Miami Car Accident

Uber Insurance Specifics

Uber, which is one of the most popular and well-known ride-share services, has a unique insurance process. Once the driver has turned on the Uber application but doesn't have a ride request, they are insured under their own plan. However, when they accept a ride request, they are covered under the liability plan held by Uber.

This coverage extends until the rider is dropped off and the driver ends the ride. However, there is a possible oversight. When the driver has the app turned on, but not yet accepted a ride request, they are still, essentially, working for Uber. If the driver's personal insurance carrier found out they were involved in an accident while the app was on, but Uber and the personal insurer may deny covering the accident.

The Problem with Accident Coverage for Ride-Share Drivers

This type of coverage "loophole" can mean trouble for anyone who is involved in an accident with a driver of a ride-share vehicle. This is especially true if it took place at a time when both insurance companies can deny responsibility. Regardless of the circumstances, and because of the multiple parties involved, there is a high likelihood of a conflict of interest.

Contact an Experienced Paul K Schrier PLLC Miami Car Accident Lawyers

If you have been injured after an acceded with a ride-share driver, then you need to contact a Miami car accident attorney. Contact the Law Offices of Paul K. Schrier, PLLC to learn more.

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