Uber and Lyft are transforming transportation, making it easier and more convenient for their customers to get around. Unfortunately, vehicles driving for these rideshare services are not immune from getting into an accident. Knowing who to seek compensation from can be complicated.
If you or a loved one got hurt in a rideshare accident on Long Island, a lawyer with the Law Office of Cohen & Jaffe, LLP can help you figure which legal route is most suitable for your case.
How Insurance Works for Uber and Lyft
Uber, Lyft, and other ridesharing services have complex insurance policies. Coverage will depend on what the driver was doing and whether he or she was using the ridesharing application at the time of the accident:
If the Driver Has the Uber/Lyft Application Off
The rideshare driver is driving as a private individual, and his or her own insurance should cover the accident. The rideshare service does not provide insurance coverage in this situation.
If the Driver Has the Uber/Lyft Application on and is Waiting to Pick People Up
Uber and Lyft provide some coverage during this period. In New York, these services offer $75,000 of bodily injury coverage per person, $150,000 total bodily injury coverage per accident, and $25,000 of property damage coverage.
They also provide uninsured motorist coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $50,000 for the death of a person. They also provide a total of $100,000 for death per accident.
If the Driver Is en Route to a Passenger or Driving a Passenger to their Destination
Both companies offer a $1.25 million policy for bodily injury and property damage. They also have $50,000 personal injury protection per injured person, uninsured and underinsured coverage of $1.25 million, and contingent collision and comprehensive insurance up to the cash value or cost of repair.
What Uber and Lyft Passengers Need to Know
If you’re an Uber or Lyft passenger who was injured in a car crash, there are insurance policies in place in most situations. With $1.25 million in liability coverage, it seems like there wouldn’t be any issues. However, problems can arise.
The Driver’s Status
One problem is in determining what the driver’s status was at the time of the accident. You’ll need to know whether the Uber/Lyft driver was correctly logged in to his or her account and had you listed as a rider.
These facts will determine the amount of coverage you receive. If there’s any question about whether you are covered, be prepared for pushback by the rideshare companies.
Another problem is that there may be situations where damages exceed the policy limits, especially when there are multiple passengers or parties to an accident. It doesn’t take long for $1.25 million to be spent on injuries and recovery when spread across multiple people.
That amount won’t cover as much as you think if the driver was negligent or reckless. In cases like that, you and fellow riders may have to pursue remedies beyond the at-fault driver’s insurance policies.
In any situation, the Law Office of Cohen & Jaffe, LLP can take over your case and help you decide the best course of legal action for you to take.
How a Rideshare Accident Lawyer with Our Firm Can Handle Your Case
Any time you’re hit, contact the police and have them prepare a report about the auto accident. If anyone’s injuries require immediate attention, contact emergency services. Make sure you get the medical care you need. Take pictures of the scene and gather information about the other driver and witnesses.
Your duties stop there – don’t feel like you have to handle the entire claims process on your own. One of our lawyers can come to your aid and deal with your case on your behalf.
You can rely on them to:
Investigate the Accident
We can gather evidence to determine what led up to the accident. Part of this process includes:
- Obtaining the accident report
- Checking traffic camera footage
- Gathering photographic evidence of the scene of the accident
- Talking to eyewitnesses
- Requesting cell phone records
- Reviewing insurance policies
From there, we should be able to figure out who the responsible party is—whether it is the Uber or Lyft driver, another driver, or a third party.
Work with the Insurance Company
Once we have gathered all the evidence, we will present your case to the insurance company and request a settlement amount. Uber, Lyft, and other rideshare services probably won’t want to pay out, especially if there’s a question about the status of their driver.
The rideshare service may try to say that the driver wasn’t working for them at the time of the accident and the driver’s own insurance should cover the accident. There may be a long battle between the driver and the rideshare insurers.
An auto accident lawyer with our firm can handle all communication and represent you during negotiations so that you can recover the compensation that you deserve.
Submit a Lawsuit if the Insurer won’t settle
If negotiations don’t go the way we hope, we have no issue with filing a lawsuit and representing you in court. CVP § 214 generally allows three years to take action for personal injury. EPT § 5-4.1 enforces a two-year deadline for wrongful death if your loved one lost their life in the accident.
Although it seems like we have a long time, it can go quickly. We encourage you to reach out to us as soon as you can. If we start working on your case late into the time limit, we’ll risk missing it. In that situation, the New York State courts might refuse to hear your case.
Damages You can collect after a Rideshare Accident
Should you or your loved one suffer injury due to a Uber or Lyft driver on Long Island, our lawyers can look at how the accident has affected your life financially and physically.
You might qualify to recover the following damages:
- Past and anticipated medical bills
- Lost income
- Future lost earning potential
- Property damage
- Pain and suffering
- Scarring and disfigurement
- Mental anguish
- Lost quality of life
In the event your loved one succumbed to their accident-related injuries, you can request awards. Their medical bills, funeral and burial services, and your losses of inheritance and companionship are all compensable.
No Attorney’s Fees involved unless We secure a Financial Outcome
The personal injury lawyers at the Law Office of Cohen & Jaffe, LLP work on a contingency-fee basis, meaning:
- You receive a free consultation upon your first call.
- There are no upfront or out-of-pocket costs.
- A previously agreed-upon percentage of your financial recovery goes to your lawyer.
- We don’t take anything from you if we don’t achieve a settlement or verdict.
You have nothing to lose with our lawyers on your side.
The Law Office of Cohen & Jaffe, LLP is ready to Start Your Case
At the Law Office of Cohen & Jaffe, LLP, our Long Island injury lawyers have represented victims in all types of car accident cases. Whether it’s Uber, Lyft, or another ridesharing service, we know how these companies operate, and we will fight for the compensation you need.
Building a successful car accident claim can be difficult, so it’s essential to get every step right from the beginning. Our Uber and Lyft rideshare lawyers on Long Island will take the burden off you by handling every aspect of your claim. If you’ve been injured, focus on your recovery and let us handle the rest. Contact us today at (516) 358-6900 for a free consultation.
For a free legal consultation with a uber and lyft rideshare accidents lawyer serving Long Island, call 516-358-6900