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Who Covers the Bill When You’re Injured in an Uber or Lyft?

Over the past ten years, how we travel from point A to point B has changed tremendously. A large contributor to this change in transportation is due to rideshare services like Uber and Lyft. As these rideshare services grow in popularity across the United States, many people are beginning to wonder who is liable for collisions that involve these rideshare companies. Unfortunately, the answer is not exactly straightforward. Liability often relies on what the driver is doing at the time of the crash.

Some experts believe that rideshare accidents have caused an increase in traffic fatalities. No matter if you are a rideshare passenger, a driver, or a pedestrian, there are certain things you need to know when you are involved in a crash with a rideshare provider such as Lyft or Uber.

Date & Time of a Crash Plays a Factor in Liability

Who Covers The Bill When You’re Injured In An Uber Or Lyft?Uber and Lyft mandate that all their drivers carry personal auto insurance coverage. Also, these companies also have commercial liability policies in place to cover any damages -- under given circumstances. However, these two types of policies are applied in very different ways. For instance, Uber’s policy states that: 

  • A crash that takes place when the driver’s Uber app is not engaged, or when the driver is offline, will be covered by the insurance policy of the rideshare driver. 
  • In the event that a driver is involved in a crash while waiting for a ride request, Uber’s third-party liability coverage will come into play only if the driver’s car insurance coverage is not applicable. 
  • When a driver is en route to pick up riders and finish a trip, Uber’s car insurance policy is meant to cover damages in the event of a collision. 
  • Third-party liability insurance will cover resulting injuries property damage sustained by someone other than the rideshare driver. 

This means that riders, pedestrians, and other drivers may be eligible to recover lost compensation when they are involved in a crash with a service such as Uber or Lyft. If you are involved in a crash while riding in a rideshare vehicle, you should contact an experienced New Mexico personal injury lawyer who knows how to deal with these types of cases. 

New Mexico Rideshare Crashes

In many ways, rideshare services have revolutionized how we get around every day. With just an app, people are able to travel easily and cheaply. However, there are certain complications associated with these services, namely serious car accidents. 

These rideshare companies do not often release data on rideshare collisions. It is estimated that rideshare services have increased roadway fatalities by nearly 3 percent. The actual figure could be as much as 1,100 people being killed each year due to rideshare vehicles.

It can be difficult to confront these large companies on your own. Luckily, Will Ferguson & Associates has years of experience handling these types of cases. Discuss your case with a trained Albuquerque car crash lawyer by giving us a call at (505) 243-5566.

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