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Bronx Personal Injury & Real Estate Blog

Thursday, February 27, 2020

Who Pays in an Accident Involving a Rideshare Vehicle?

Rideshare services such as Uber and Lyft have become a convenience that many people take advantage of on a daily basis. Requesting a ride by simply opening up an app on your phone is as easy as it gets. While rideshare services may be convenient, rideshare vehicles, like all other vehicles on the road, are not immune from being involved in car accidents. If you have been injured in a rideshare car accident, there are some unique circumstances to consider in your case. For instance, who will pay for any damages you have sustained in the accident requires a fact-specific analysis of several different moving parts.

Who Pays in an Accident Involving a Rideshare Vehicle?

Who pays in an accident involving a rideshare vehicle will first hinge on who is found liable in causing the accident. If you were driving and are found to be responsible for causing an accident with a rideshare vehicle, you, or most likely your insurance company, will be on the hook for paying damages sustained by others involved in the accident. If you were the passenger in a vehicle that was responsible for causing an accident with a rideshare vehicle, the driver of the vehicle you were in will be responsible for paying. If you were the passenger in a rideshare vehicle and were injured in an accident caused by the driver of another vehicle, the driver of the other vehicle would be responsible for paying your damages.

Where things become more complicated is when a rideshare driver is responsible for causing an accident. Rideshare drivers are considered independent contractors, not employees of the ridesharing companies. Because of this, ridesharing companies will only accept liability for the actions of a driver under certain circumstances. If you were injured in an accident caused by a rideshare driver, whether or not the rideshare company will provide coverage for your losses will mostly depend on the status of the rideshare driver at the time of the accident.

If the rideshare driver had their “driver mode off,” then the personal insurance coverage of the driver would pay for damages of the parties injured in the accident. If the rideshare driver had “Driver Mode on with Passenger,” the insurance coverage for the ridesharing company is likely to come into play. If the rideshare driver had “Driver Mode on without Passenger,” things move into a bit of a gray zone, but it is likely that the ridesharing company would not provide coverage for the accident.

Whether or not the insurance company for the ridesharing insurance carrier can make a substantial difference in the amount of coverage available to you should you be injured by a rideshare driver. Both Uber and Lyft provide up to $1 million in coverage for qualifying accidents. This far and away exceeds the policy limits of most drivers on the road.

Rideshare Accident Injury Attorney

Rideshare accidents are complex and require attention to detail and a thorough understanding of personal injury law. At the Law Office of Ryan Goldstein, you will find experienced and trusted legal counsel to help you with all of these overwhelming legal issues. We are here to support our clients and fight for them to receive full and fair compensation for the harm they have suffered due to the negligence of another. Contact us today.


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