The popularity of Uber and Lyft has made traveling easier and convenient
for consumers. Although Uber and Lyft are now used more than taxi services,
their business model has received lots of criticism from regulators. For
example, what if you are injured while riding in one of these companies’
vehicles? Who can be held liable for your injuries? In this blog, we explain
how liability is determined for injuries sustained while riding in an
Uber or Lyft.
Uber/Lyft Drivers are Third Party Workers
The drivers of these companies are classified as independent contractors.
This means they are not direct employees of the company they work for.
This impacts the company’s liability in the event of an accident.
Companies are not responsible for the actions of independent contractors,
making it difficult to sue Uber/Lyft for injury damages. In fact,
Uber denied all responsibility for the death of a 6 year old who was struck by one of their drivers in 2014.
Uber/Lyft Insurance Coverage
Uber and Lyft both carry a
$1 million insurance policy for their drivers. However, the coverage is based on the driver’s
activity at the time that the accident occurred. This means accidents
that do not directly involve a passenger might not be covered by the company’s
insurance policy. Instead, the personal insurance policy of driver will
go into effect.
What If My Insurance Claim is Denied?
Uber and Lyft want to avoid paying out as many claims as possible. As a
result, it’s not uncommon for accident claims to be denied by these
companies’ insurers. Although you might be able to sue the driver
directly, it can limit the amount of damages that you are entitled to.
If you have been injured while using an Uber or Lyft, you should immediately
speak with an experienced attorney. At Warlick & Craig, P.C., our
accident attorneys have recovered millions of dollars in financial damages for our injured
clients. We are dedicated to bringing justice to those who are wrongfully harmed.
Call (678) 321-4088, or contact our team of personal injury lawyers
today. Se habla español.