Rideshare services like Uber and Lyft have become essential for convenient and affordable transportation. However, the risk of accidents involving passengers and drivers increases as the number of rideshare vehicles increases. Whether you are a passenger injured during a trip or a driver hurt on the job, it’s important to know your rights and legal options.
Rideshare accidents have unique challenges in personal injury and workers’ compensation cases. The cases can be complex, especially when they involve many parties and insurance policies. For passengers, liability and coverage arise after an accident. For drivers, issues surrounding their classification as independent contractors can complicate workers’ compensation claims.
Personal injury and workers’ compensation in rideshare accidents
When a rideshare car accident occurs, passengers can pursue personal injury claims. Uber and Lyft provide coverage to passengers during active trips. If a driver is at fault, the company’s insurance may cover damages such as medical expenses or lost wages. However, complications arise when third-party drivers or Uber or Lyft attempt to deny responsibility.
For drivers, the situation can differ. Personal injury claims might be an option if a rideshare driver is injured in an accident while working. However, since rideshare companies classify drivers as independent contractors, traditional workers’ compensation benefits may not automatically apply. In some cases, injured drivers may need to explore alternative legal avenues to recover compensation for medical bills, lost income and in some cases, punitive damage.
Having knowledge of the layers of insurance coverage is essential. Uber and Lyft have different levels of coverage depending on the driver’s status during the accident. For instance, limited coverage applies if the app is on, but no passenger is in the vehicle. On the other hand, full coverage applies during active trips. Drivers and passengers should be aware of these distinctions to handle claims effectively.
Rideshare accidents can have serious consequences for drivers and passengers. Whether you are pursuing a personal injury claim or exploring options for workers’ compensation, legal guidance can help ensure you receive fair compensation. Understanding the nuances of Uber and Lyft accident policies is key to safeguarding your rights after a rideshare accident.