People all across New York use rideshare services. These services may be convenient and cost-effective, but that can change if a passenger is injured in a crash while in a Lyft or Uber.
If this happens to you, it can be helpful to know what to do and what options you have for seeking financial compensation.
Insurance coverage
Drivers for transportation network companies (TNC), including Uber and Lyft, must have insurance, and state laws require rideshare companies to provide coverage. Per these rules, TNCs must maintain the following levels of insurance:
- $75,000 for bodily injuries (per person)
- $150,000 for bodily injuries (per accident)
- $25,000 for property damage (per accident)
Drivers should also have uninsured motorist coverage. If your damages do not exceed these limits, insurance will typically cover them.
However, there are times companies might deny coverage. They might do so for various issues injured passengers have no control over, like problems with driver’s status with the TNC.
Seeking additional compensation
In the event that insurance denies coverage or is not enough to cover the full extent of damages done in a crash, additional compensation may be appropriate.
One option is to file a lawsuit against a negligent party, whether that includes the TNC driver or someone else. In cases of catastrophic injuries, parties may also be able to pursue a personal injury claim against Uber, Lyft or other TNC.
Protecting yourself after a crash
While you may not be able to prevent a crash while riding in an Uber or Lyft, you can protect yourself and your rights after one.
Stay on the scene and collect the information of everyone involved in the crash if you can. Making a police report and getting medical assistance will also be crucial, as it provides critical information when it comes to filing an insurance claim or lawsuit.
Knowing what to do after a crash in an Uber or Lyft can be upsetting and confusing. Unfortunately, you may not get the answers you need from your driver, the insurance companies or the rideshare services, which is why it can be wise to discuss your case with an attorney.
