Whose Insurance Pays If I’m Injured by or in an Uber Driver’s Vehicle?
With rideshare services like Uber and Lyft becoming popular alternatives to traditional taxis, this is a very valid question. Unfortunately, the answer to the question is not a simple one. The liability in rideshare auto accidents is more complex than most auto accidents. We’ll try to explain why.
New Laws Related to Rideshare Businesses
Since Uber launched its innovative rideshare service in 2009, legislatures and insurance companies have been busy trying to keep up. As demand for these services has increased, so has the need for regulations addressing companies like Uber and Lyft.
In February of 2018, the Georgia legislature passed HB 789, which defined drivers for rideshare companies like Uber and Lyft as independent contractors rather than employees. As accidents involving vehicles operating through Uber, Lyft, and similar services increase, new scenarios are bound to surface. With each new scenario, new court precedents and changes to the laws are likely to develop.
Rideshare Insurance Coverage
Right now, the independent driver must carry insurance per state law, but what if the driver doesn’t have this insurance? Or, what happens if the insurance coverage isn’t enough to cover major injuries to multiple passengers? Rideshare companies like Uber also carry liability insurance that may cover losses in some cases, but not all. The important thing to know is settling an auto accident injury lawsuit that involves a rideshare vehicle can be complex. Having a Georgia auto accident attorney who keeps up-to-date on current legislation and insurance regulations for rideshare companies is critical.
Is it Risky to Ride with an Uber or Lyft Driver?
There are no strong statistics to date showing any higher accident risk riding with a rideshare driver overtaking a traditional taxi ride. If you have been consuming alcohol or have any other driving impairments, choosing a rideshare over driving your own vehicle is definitely the safer choice. In some cases, you may have more insurance coverage available if injured in a rideshare vehicle accident than driving your own vehicle.
Free Consultation with a Rideshare Accident Lawyer
If you, a friend, or a loved one experience serious injury in a rideshare related accident, please call us. Our rideshare accident attorneys have the experience you need for the complex nature of these cases. Call us today for a free consultation on your case.
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