Fighting for the Injured After a Philadelphia Uber Accident
When you hire an Uber or Lyft, you’re putting your life into someone else’s hands. Unlike a taxi or limo driver, a ridesharing driver can be anyone with a license and a car. You are trusting that they will take you where you need to go safely without any problems.
However, this is not always the case, especially in Philadelphia. Accidents occur every day on the Schuylkill, the Blue Route, and in the downtown area. And it can happen while you’re a passenger in a ridesharing vehicle.
Or maybe you’re the one who’s behind the wheel. You just wrecked your personal vehicle while using it for business. That’s an insurance nightmare. Will workers compensation pay your medical bills?
The Philadelphia Uber accident lawyers at Fellerman & Ciarimboli are highly experienced at handling all types of motor vehicle accident cases. We understand the difficulties surrounding ridesharing accidents, and we have a proven track record negotiating high settlements and winning jury verdicts on behalf of car accident clients. We help the injured and we are prepared to help you.
The Complex Insurance Issues With Ridesharing Accidents
When it comes to hired vehicle drivers, such as taxi or limo, there are very strict rules the drivers need to abide; they must meet all state and city insurance requirements. That way, if the vehicle gets into an accident, then there are laws that determine who is liable for the injuries of the passengers, as well as the drivers.
However, ridesharing vehicles, such as Uber and Lyft, do not fall under these requirements. These are personal vehicles being used by the drivers, not by the companies that hired them. And, although Uber and Lyft do have insurance, the drivers are required to have their own personal car insurance in case of an accident. But the rules of liability in an accident can be rather muddy. Sometimes, Uber drivers use the company insurance as only secondary to their own coverage. And if they do, they need to be doing the following in order to use the insurance:
- The driver is using the app and is considered on duty. In other words, the driver needs to be working in order to use Uber’s insurance.
- The driver has logged in and accepted a ride. However, if the driver has not accepted a ride yet, the ridesharing company uses a reduced or “contingent” policy.
The policy is in effect between the time the driver accepts the ride and drops off the passenger. So if there is an accident during this time and the Uber driver is found at fault, the ridesharing company’s policy will cover the driver’s and passenger’s injuries. However, if another driver was at fault, the driver’s personal policy will cover both the driver’s and the passenger’s injuries.