Just about everyone has by now heard of the driving services Uber and Lyft. “Getting an Uber” has become as familiar to everyday conversations as “catching a cab” used to be. There’s no reason why these services aren’t popular. You can summon a ride on your phone, track your driver using GPS, and when they pull up to the curb you’ll have a photo, license plate number, and ID number to identify your ride. Once you’re dropped off, your credit card is charged automatically, so no cash changes hands, and you’re on your way. It’s remarkably simple.
However, getting injured while in an Uber vehicle or by an Uber vehicle can present some tricky issues if you’re looking for compensation. For example, according to CBS Boston, a multi-vehicle crash caused by a Lyft vehicle last year caused major headaches for the victims trying to get insurance payments. The Lyft vehicle pulled out in front of a fire truck, causing a chain reaction when the fire truck slammed into a row of parked cars.
The problem lies with the recent Massachusetts legislation surrounding these rideshare programs. Under the legislation, while an Uber or Lyft driver has their App activated and are carrying a passenger they have coverage of up to $1 million. If they do not have a passenger, then that coverage only has to be $30,000. While no one was injured in this particular accident, the coverage wasn’t enough to cover the cars that had been wrecked.  
Uber drivers essentially operate under a slightly different set of regulations than taxi drivers do. As well, Uber, in particular,is a very large company with many resources at its disposal to fight any claims made against them. Making a claim against such a company on your own could be almost impossible. They will try to make the entire process extremely difficult so you will just give up and let it be.
The most complicated issue, however, will be that question of insurance. Which insurance policy applies to each situation? It can be quite complicated when it comes to rideshare programs. Along with the $1 million and $30,000 coverage that is required, drivers are also required to carry personal automobile liability insurance, which kicks in if the Uber driver is using the car for personal reasons, and is not accepting rides. On top of the $30,000 coverage for when a passenger is not in the car, drivers also have the option of obtaining extra insurance to cover themselves during those passenger free times above and beyond the $30,000. Determining what the driver was doing at the time of the accident will determine which policy applies. Things can get tricky when the lines between those roles are blurred.
The team at Sheff Law are committed to examining all aspects of your Uber accident case and providing you with the service and professionalism you deserve. Call for a free consultation at 1-888-423-4477.

0 replies

Leave a Reply

Want to join the discussion?
Feel free to contribute!

Leave a Reply

Your email address will not be published.