People under 18 probably wonder how anyone got anywhere before Uber and Lyft were invented. After all, Uber and Lyft are the go-to rideshare services in New York City. They provide a convenient and affordable method of transportation for many, requiring only an app to arrange a quick pick-up anywhere.
It’s a mix of comfort, convenience, and luxury that a typical taxi service just can’t beat. Passengers can pick anything, from a low-priced shared ride with others going in a similar direction, to a luxurious celebrity-esque SUV. Going out for drinks with friends without worrying about a designated driver has never been easier. But there are some downfalls to using these services, especially if you are involved in an accident.
Insurance coverage can get a bit complex after an Uber or Lyft accident. If you’re the person who’s hurt, you might be wondering whose insurance covers what, and who can you make a claim against if you’re injured as a passenger.
The people who drive for Uber and Lyft are independent contractors who drive their own personal vehicles. Both services require their drivers to have at least the minimum liability coverage in case of an accident. But depending on which mode the driver is in, the rideshare company’s insurance may cover the damages.
If the driver is on the app but has not yet accepted a request, he is covered for liability to a third party in the event of an accident. This includes the other party’s medical bills and property damage. Uber and Lyft’s websites both state that their coverage is:
- $50,000 per person/$100,000 per accident for bodily injury
- $25,000 per accident for property damage
If the driver gets into an accident after he’s started the ride, Uber and Lyft provide:
- Third party liability coverage: This covers any damages to the third party injured in an accident where the Lyft/Uber driver is at fault. Both Uber and Lyft provide liability coverage for $1,000,000 per accident.
- Uninsured or underinsured motorist bodily injury coverage: This covers the driver and passengers if another driver is at fault and does not have insurance, or in the case of a hit-and-run accident. Both Uber and Lyft provide $1,000,000 per accident.
- Contingent collision/comprehensive coverage: This type of insurance covers a vehicle regardless of who caused the accident—as long as the driver has it on his policy. The contingent coverage will pay for damages to the driver’s vehicle up to the vehicle’s cash value. The deductible for Uber is $1,000 and for Lyft it’s $2,500.
If you were injured in a rideshare accident in New York City, it’s a good idea to speak with a lawyer. Call The Case Handler at 929-223-4195 to discuss your case. The first consultation is free.
