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Insurance requirements in New York are designed to protect the people involved in rideshare accidents, which includes:

  • The passengers of Uber or Lyft who suffered injuries
  • The drivers of Uber or Lyft who were injured in a crash with another vehicle
  • Motorcyclists, cyclists, and pedestrians hit by a ridesharing vehicle
  • Drivers or passengers of other automobiles injured in a collision with a ridesharing app vehicle

Who is Liable for Your Injuries in an Uber or Lyft Accident in NYC?

When you are injured in an accident involving an Uber or Lyft in New York, it is important to determine who is responsible for your injuries. Your options to obtain compensation can vary depending on how the accident occurred, who caused it, what was your contribution (if any) to the crash, and what type of insurance coverage is available. Consider these possibilities in order to understand your options:

You were hit by an Uber or Lyft driver

If a rideshare app driver who was on a trip or was online caused an accident due to negligence, which resulted in your injuries, you can file a claim for compensation from the insurance policy carried by the rideshare company. No matter if you were a driver or passenger of another vehicle or a pedestrian, you can claim compensation in this way. 

You were riding in an Uber or Lyft as a passenger

If you were injured on a ride as a passenger of Uber or Lyft, you could have the following options. If the accident occurred due to rideshare driver’s negligence, you may file your claim for compensation with the rideshare company. If another vehicle’s driver caused the accident, then you can file your claim against the at-fault driver’s insurance policy.

You were injured as a driver of Uber or Lyft  

If you are an Uber or Lyft driver, and someone else’s negligence resulted in your accident and injuries while you were on the job, you could file a claim against the negligent driver. In addition, both Uber and Lyft also provide insurance coverage for rider injury protection to support your costs of urgent medical care and short-term disability. If this policy is available, it could cover you even if the accident occurred because of your own negligence.

Whatever may be the circumstances of your Uber or Lyft accident in New York, you should consult with an experienced rideshare accident lawyer to evaluate your claim and determine what types of damages you might be eligible to obtain.

Insurance Law in New York for Ridesharing Apps

In 2018, the State of New York imposed new requirements on ridesharing companies such as Uber and Lyft (they are called Transport Network Companies or TNCs) related to insurance coverage. The law says that TNCs must provide insurance coverage for all parties that may involved in an accident as follows:

  • Minimum coverage of $50,000 per individual and $100,000 per accident when the rideshare driver has signed into the app network, and is accessible for receiving ride requests
  • Minimum coverage of $1 million for passenger trips, which begins from the time the driver has accepted the ride, and ends when the passenger has been dropped off

The ride-hailing companies in New York are free to offer additional coverage beyond these minimum requirements. For instance, Uber provides coverage of $75,000 per individual and $150,000 per accident when the driver has signed into the app but has not yet accepted a trip. When the driver has accepted a trip, the policy coverage amount is $1.25 million.

It is important to understand that under this new law in New York, even if the Uber or Lyft driver has not obtained insurance coverage, the rideshare company’s insurance policy must still provide the minimum coverage. The aim of this law is to protect anyone involved in an Uber or Lyft accident, including: (a) Uber or Lyft passengers; (b) Uber or Lyft drivers; and (c) other parties injured by a rideshare driver

This coverage extends to all rideshare app vehicles operating in New York State except the five boroughs of NYC.

What Should You Do if You are Involved in a Rideshare Crash?

You should know the basic steps to follow if you are involved in ridesharing app accident in New York. Seek medical attention as soon as possible after the incident. Symptoms of injuries may not manifest immediately after an accident, so do not presume anything even if you are feeling fine. Get yourself medically evaluated.

Your second step should be to collect evidence, make notes, or document the incident as best as you can. If you are in a fit condition, you should take photographs or a make a video using your smartphone at the accident site. Record the position of the vehicles that collided, the roadway conditions, the damage to vehicle and property, and physical injuries.

If you find any eyewitnesses around the scene of accident, request for their contact details (without making any opinions or statements about the crash). Call law enforcement to report the accident, and request for a police report copy. Preserve all the medical bills and keep a record of the lost hours at work and other expenses related to your accident and injury.

Most importantly, speak to a New York Uber or Lyft personal injury attorney as soon as possible. Your attorney will handle all matters professionally on your behalf, systematically prepare the evidence, guide, and assist you at every step of the legal process, and negotiate with the insurance company for maximum compensation for you.

Legal Support for New York Ridesharing Drivers Injured in an Accident

Whether you are a full-time or part-time rideshare driver in New York, the job comes with a certain degree of risk. You may often be required to work at night or operate in areas that have a higher incidence of accidents. You also face constant risk from intoxicated or distracted drivers on the road. Some of the key risk factors for Uber and Lyft drivers in New York include:

Poor Visibility at Night

Nighttime visibility is relatively low, particularly in some areas of upstate New York. Road hazards such as dangerous drivers, debris on the road, or uneven pavement are difficult to identify during nighttime. For example, if a car driver or motorcyclist switches the lane without check the blind spot, the crash will be more difficult to avoid when the visibility is low.

Distracted or Fatigued Drivers

With the exploding popularity of social media and other smartphone apps, the number of accidents involving distracted drivers has rapidly grown in New York. A tired, sleepy or inattentive driver poses a serious risk to rideshare drivers and passengers.

Reckless Driving

Speeding and other types of reckless driving can result in serious accidents and catastrophic injuries to Uber and Lyft drivers. The impact of a speeding vehicle can be far more devastating when it hits the other party. The rideshare driver or passenger may suffer from major injuries, including spinal cord injury, traumatic brain injury, internal organ damage, and fractured bones.

Drunk Driving

More than 7,000 accidents occur in New York every year where alcohol is involved. Drunk driving incidents are more common during nighttime and particularly on weekends and holidays. Many Uber or Lyft drivers suffer from injuries because of the fault of an intoxicated driver.

If you have sustained injuries on the job as a ridesharing driver in New York, you may be entitled to receive compensation for your medical bills, lost wages, pain and suffering, and more. Get legal help from an accomplished Uber and Lyft accident attorney in New York who will establish a strong case to hold the at-fault parties liable for your injuries and get you the maximum compensation.

Consult with a Seasoned New York Ridesharing Accident Lawyer Today

If you or someone you love has been involved in an Uber or Lyft accident in New York and suffered injuries due to another’s fault, you have a right to obtain damages. The knowledgeable rideshare personal injury lawyers at Rosenberg, Minc, Falkoff & Wolff will fight the legal case on your behalf and help you achieve your rightful compensation.

We know how to negotiate with the insurance companies that aggressively represent Uber and Lyft, and we will present robust evidence to establish their liability. You will not have to pay us anything until we have obtained compensation on your behalf. To schedule a free consultation with one of our lawyers, call us at (212) 210-1619 today.

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