Ridesharing services have become an extremely popular form of transportation in cities across the country over the past decade. Uber and Lyft, of course, are the two most well-known and popular ridesharing apps.
What happens if you are injured while riding as a paying passenger with one of these services? Ridesharing for pay complicates the question of liability. Consequently, you may need to consult with an auto accident lawyer in Columbia, MD if you are ever injured as an innocent Uber or Lyft paying customer.
As a general matter, financial responsibility is imposed on the insurance company for the driver who was at fault for causing the accident. The different scenarios are examined below.
The Ridesharing Driver Was at Fault
If the ridesharing driver was at fault for causing the accident, then the driver may have either a commercial policy or a personal policy providing coverage while engaged as a ridesharing driver. In most instances, however, the Uber or Lyft driver will not have such a policy covering your injuries.
Both Uber and Lyft carry third-party liability insurance coverage up to $1,000,000 for personal injuries and property damage per accident. This coverage would be triggered after the ridesharing driver’s own policy if any such applicable coverage exists. As a passenger, therefore, your injuries should be covered up to the Uber or Lyft policy limits if the ridesharing driver was at fault.
Another Motorist Was at Fault
If another driver caused the collision, then you can seek redress for your injuries from the other motorist’s insurer or file a lawsuit against that person. If that individual either does not have insurance or the coverage is monetarily inadequate, then both Uber and Lyft maintain uninsured/underinsured motorist (UM/UIM) coverage with high dollar limits which would provide you with another avenue of recovery.
If you are ever injured as an Uber or Lyft passenger, it would be advantageous to consult with an experienced attorney to navigate the different possible scenarios to ensure that you are fully compensated.