Personal injury claim for Uber or Lyft drivers injured in an accident.
Personal injury claim for Uber or Lyft drivers injured in an accident is a complex process as it involves multiple liability and insurance issues. Uber and Lyft ridesharing apps offer a great way to boost your income. At the same time it means you’re more susceptible to accident as you spend more time on road. An accomplished personal injury attorney in Los Angeles on your side can protect your rights and get you the right compensation you deserve for your sufferings.
Insurance coverage for Uber or Lyft Drivers
Uber and Lyft drivers are not actual employees of the companies they work for. Instead, they are considered independent contractors because they are free to work as per their needs. In California ride-sharing drivers are required to have their personal auto policy (PAP) along with the Transportation Network Company’s (TNC) insurance coverage. TNCs provide $1 million in primary liability insurance that begins the moment the driver switches on the app.
Uber or Lyft driver’s insurance coverage depends on their service app.
TNC services are defined by three periods:
Period 1: App open – waiting for a match. This phase is the biggest area of gap coverage for a driver. Uber & Lyft provide $50,000/$100,000 total for injuries under contingent liability.
Period 2: Match accepted-driver is on his/her way to pick up the passenger. TNCs provide commercial auto liability and uninsured motorist/underinsured motorist coverage up to $1 million per occurrence.
Period 3: Passenger in the vehicle and until the passenger exits the vehicle. TNCs provide commercial auto liability and uninsured motorist/underinsured motorist coverage up to $1 million per occurrence.
Uber or Lyft Drivers should get as much as information about the liability limits, coverage for medical payments, personal injury protection in no-fault states, comprehensive, collision coverage and UM/UIM coverage. And if any coverage gap exists one should consider purchasing additional coverage for the same. Additional coverage may be available as an endorsement to the driver’s PAP or as a separate commercial policy. This way they can secure themselves in all 3 periods.
Liability issue in personal injury claim for Uber or Lyft Drivers
In case you were not at fault in the incident and got injured as a result or your car was damaged, you will have the ability to report a claim with the third party’s insurance company. Comparative negligence rules will apply if you do share some fault for the incident.
Improve your chances of receiving maximum compensation for the injuries by getting help from experienced personal injury lawyers at Farahi Law Firm APC. Call to speak with our experts today: (310) 774 4500