Rideshare services have become a staple of our everyday transportation. But, Uber/Lyft drivers are not impervious to car accidents. Car accidents occur incredibly often, and it is important to know what to do in the event that an accident occurs. Read on to learn more about Uber/Lyft accidents in New York City.
What is Uber/Lyft’s liability coverage for car accidents?
If you are involved in a car accident while utilizing Uber/Lyft, you may be entitled to recover compensation. Uber/Lyft’s liability coverage is as follows:
- Period 0: Period 0 is when the driver was not logged into the rideshare app at the time the accident took place. When this happens Uber or Lyft do not provide coverage, as the accident did not happen on their time.
- Period 1: When the driver is logged in to the app but has not yet accepted a ride, the company will provide liability coverage for an accident that is the driver’s fault. In this case, Uber or Lyft will contribute up to $50,000 per person harmed in the accident, $100,000 in total injury liability per accident, and $25,000 in property damage liability.
- Period 2: At this point, the Uber/Lyft driver has accepted a trip and is en route to pick up a passenger when the accident occurred. Uber/Lyft’s liability coverage now increases to $1 million.
- Period 3: For when the passenger is in the Uber/Lyft car at the time of the accident and was injured. Liability coverage goes up to $1 million, plus limited coverage for damage to the driver’s car and uninsured motorists’ coverage.
Additionally, New York City Uber and Lyft drivers are regulated by the NYC Taxi and Limousine Commission, which means that all Uber and Lyft vehicles within the city’s jurisdiction require a commercial insurance policy. Because of this, all accidents that occur on rides originating in New York City are covered by the commercial insurance policies maintained by the Uber or Lyft driver.
How Long Do I Have to File a Claim?
If you wish to pursue legal action for your injuries, it is important to note that there is a deadline. This deadline is known as a statute of limitations. In New York, the statute of limitations for a personal injury claim is generally three years from the date of the accident.
If you have been injured due to another party’s negligence, contact our firm to discuss your case. We will fight to help you receive the compensation you deserve.
Contact our Firm
If you have been injured in a New York City accident, Swerling Law is here to help. Our firm understands the challenges that many people face after being hurt in an accident and is prepared to help you receive an award of significant compensation to ease some of your burdens. To schedule a consultation with an experienced construction site accident attorney in New York City, contact Swerling Law today.