Filing a Claim After Being Injured in a Ridesharing VehicleOctober 9, 2018
Ridesharing companies like Uber and Lyft continue to have a major impact on the transportation industry by connecting private drivers with passengers. By using the application on their smartphone, customers can secure a ride within minutes, and the fares are usually cheaper than taxis. Things can get a bit complicated, however, if the passenger is injured while riding in an Uber or Lyft vehicle. Because ridesharing applications are considered technological companies, injured passengers must file an accident claim against the driver, rather than the ridesharing company. An experienced car accident lawyer can guide you through the claims process and ensure that your legal rights are protected.
When you accept a ride from an Uber or Lyft driver, part of the fee that you pay goes towards ensuring your safety. Uber and Lyft conduct thorough background checks on their drivers, including any history of felonies or crimes against minors. Drivers must also have a clean driver’s license and carry the mandatory amount of auto insurance. Because ridesharing drivers are considered independent contractors, companies like Uber and Lyft are not liable for the actions of their drivers. That means drivers are often liable for any injuries their passengers may suffer in the event of a car accident.
Compensation Options for Victim
It is important to realize that Uber carries insurance policies on its drivers with limits as high as $1 million. However, the insurance company responsible for covering the injuries and property damage depends on what the driver was doing at the time of the accident. For example, if a driver is available, but has not yet been scheduled to pick up a passenger, and he or she is involved in an accident, the primary insurance used will be the driver’s policy. If the driver accepted a ride request from a customer and was involved in an accident picking up the passenger, Uber’s insurance policy covers the driver’s liability to the passenger, injuries caused by an uninsured or underinsured motorist, and collision and comprehensive coverage if the driver has this as part of their personal insurance. If the driver gets into an accident while a passenger is in the vehicle, Uber covers a minimum of $50,000 per person with up to $100,00 per accident and a maximum of $25,000 in property damage per person. In addition, if there is a passenger in the car, Uber provides the driver with the same coverage as when the driver is picking up a passenger, but the customer is not in the vehicle when the accident occurs.
If an injured passenger files a claim against a ridesharing company, it is not uncommon for Uber’s insurance carrier to deny the claim to avoid paying damages. The way ridesharing companies categorize drivers can make the claims process very complicated for injured passengers, but an experienced car accident lawyer can help.
Baltimore Car Accident Lawyers at LeViness, Tolzman & Hamilton Protect the Rights of Injured Ridesharing Passengers
If you were injured in a car accident involving a ridesharing vehicle, contact the Baltimore car accident lawyers at LeViness, Tolzman & Hamilton. We will address all your concerns and ensure that your rights are protected. Our team will secure the maximum financial compensation you deserve. To schedule a free consultation, call us today at 800-547-4LAW (4529) or contact us online.
Our offices are located in Baltimore, Columbia, Glen Burnie, and Towson, allowing us to represent car accident victims in Maryland, including those in Anne Arundel County, Baltimore County, Carroll County, Harford County, Howard County, Montgomery County, Maryland’s Western Counties, Prince George’s County, Queen Anne’s County, Southern Maryland, and the Eastern Shore, as well as the communities of Catonsville, Essex, Halethorpe, Middle River, Rosedale, Gwynn Oak, Brooklandville, Dundalk, Pikesville, Nottingham, Windsor Mill, Lutherville, Timonium, Sparrows Point, Ridgewood, and Elkridge.