Uber and Lyft have become popular modes of transportation in the United States. Requesting
a ride on a smartphone app is quick, easy, and often more cost-effective
than getting a ride from a taxi. In addition, many people think that these
rideshare services are much safer.
But what happens when you are involved in a
car accident with an Uber or Lyft driver? How does insurance coverage work? It depends
on the specific circumstances of the collision.
Uber & Lyft Insurance Policies
Both of the main ridesharing services have similar insurance policies,
which are comprised of a three-tier structure that covers their drivers
The first tier addresses drivers who are offline and not available for
pickups. If an accident occurs, he or she is only covered by their own
personal car insurance policy.
The second tier addresses drivers who are online but have yet to pick up
any passengers. In the event of a crash, each insurance policy offers
$50,000 per person bodily injury for a grand total of $100,000, in addition
to an extra $25,000 for property damage.
The third tier addresses drivers who are in route to pick up the matched
passenger, as well as situations when the drivers have passengers in the
vehicle. In these cases, liability coverage is $1,000,000. However, collision
and comprehensive is only contingent, which means that a passenger must
make a claim with his or her own person collision and comprehensive policy.
If you suffered an injury in a ridesharing accident or a collision caused
by an Uber or Lyft driver in New York,
contact our Brooklyn personal injury attorney at
Belushin Law Firm, P.C. today.