Rideshare services like Uber and Lyft have revolutionized how we get around. However, as rideshare usage increases, so do accidents involving rideshare vehicles. Determining liability in these incidents can be complex. Who can be held liable if you’re injured in an accident?
Rideshare drivers
In most cases, rideshare drivers are considered independent contractors rather than employees of the rideshare company. This distinction is critical for determining who can be held liable.
The driver’s status at the time of the accident plays a major role in determining which insurance policy applies. For example, if the driver was actively transporting a passenger or en route to pick one up, the rideshare company’s insurance will often cover damages. However, if the driver was not logged into the app or waiting for a ride request, their personal auto insurance policy may be solely responsible.
Rideshare companies carry liability insurance policies that apply in those specific situations, often providing coverage that exceeds personal auto insurance. When a rideshare driver causes an accident while transporting a passenger, the company’s policy typically covers medical expenses, property damage and other losses for the passenger, plus anyone else involved in the crash.
The coverage provided by rideshare companies has further limitations, however. It may not apply if the driver is found to be acting recklessly or violating the terms of their contract with the company. Because disputes can arise over whether the company or the driver’s personal insurance is responsible, the claims process can drag on longer than with other types of accidents.
Pedestrians, cyclists and other drivers
Rideshare accidents often involve multiple parties. These might include the rideshare driver, passengers, other motorists and the rideshare company itself—and they may be entitled to recover damages. This can make determining liability and navigating the claims process especially challenging. Insurance companies may dispute fault or coverage, and injured parties may face delays in receiving compensation.
Working with a personal injury firm like the Law Offices of Tim Misny can help ensure that you receive the highest amount of compensation available. Since these accidents are complex—and insurance companies have a vested interest in reducing payouts—having an experienced lawyer on your side is important.
Whether you’re a passenger, pedestrian or another driver injured in a rideshare accident, understanding your rights is key. Call the Law Offices of Tim Misny today to learn more about your legal options.
Discuss your claim with an Ohio accident attorney
The Law Offices of Tim Misny can help you with your accident claim. When you’re the victim of negligence or recklessness, I’ll Make Them Pay!® Call my office at (877) 944-4373 so that I can evaluate your case right away.
