Accidents involving Uber or Lyft passengers can feel confusing because more than one party may be responsible, and multiple insurance companies may be involved. These cases are not always as simple as filing a standard car accident claim. Knowing how liability and insurance coverage work is essential if you are hurt while riding as a passenger in a rideshare vehicle in New York.
Who Is Liable in a Rideshare Crash?
Determining who is at fault depends on the circumstances of the accident. Liability may rest with the rideshare driver, another driver, or both. An important factor is whether the Uber or Lyft driver had the app on at the time of the crash. If the app was on and the driver was either waiting for a ride request or actively transporting a passenger, the rideshare company’s insurance is usually involved. If the app was off, only the driver’s personal auto insurance will apply.
Insurance Coverage in Rideshare Accidents
Uber and Lyft both provide up to $1 million in liability coverage when the driver is transporting a passenger. This coverage can help pay for medical bills, lost wages, and other damages. When the driver is waiting for a ride request but has no passenger, there is a lower level of coverage. If the app is off, the driver’s own insurance applies. Because multiple insurers may argue over who pays, rideshare accident claims in New York often take longer to resolve than standard crashes.
Steps to Take After an Accident
If you are injured as a rideshare passenger, your first step should be to get medical care. After that, gather as much information as possible about the drivers, vehicles, and rideshare trip details. Reporting the accident to Uber or Lyft through the app is also important. New York is a no-fault state, so you may qualify for no-fault benefits to cover your immediate medical expenses, but you might also have a claim against the at-fault driver or rideshare company for further compensation.
Legal Help in Navigating Rideshare Claims
Because of the layers of insurance and the involvement of large corporations, rideshare accident claims can be complicated. We have experience dealing with Uber and Lyft cases in Westchester County and across New York. Our team can investigate who is at fault, handle negotiations with the insurance companies, and fight for the full amount you deserve.
FAQ
Is Uber or Lyft responsible if their driver caused the crash?
Yes, if the app was on and the driver was transporting you, their insurance policy will apply.
Do rideshare passengers get no-fault benefits?
Yes. As a passenger, you can typically access New York’s no-fault benefits for your initial medical expenses.
What if the rideshare app was off during the crash?
If the app was off, the driver’s personal auto insurance would be responsible for your claim.
If you were hurt as a passenger in a rideshare accident, call Gash & Associates in White Plains at (914) 328-8800 to speak with an attorney about your case.