Most of us don’t think twice about pulling out our smartphones and calling a rideshare vehicle, 比如Uber或Lyft. 对于许多, they are a convenient and relatively inexpensive means of getting from one place to another.
It’s important to remember that car accidents can happen anywhere, including in a rideshare vehicle. 不像大多数车祸, where the two drivers’ insurance companies determine fault and cover losses, many other parties could potentially be held liable in the event of an Uber或Lyft事故.
常见的拼车事故类型
拼车事故的形式多种多样, each presenting unique challenges and considerations for those involved. 一些例子包括:
- 追尾事故: 追尾事故时有发生, occurring in heavy traffic or at intersections where sudden stops are common.
- 十字路口交通事故: Accidents at intersections often involve drivers failing to yield or disregarding traffic signals, contributing significantly to rideshare incidents.
- Pedestrian-Related事件: 涉及行人的事故很常见, especially during passenger pick-ups or drop-offs near sidewalks.
- 侧面碰撞事故: Side-impact collisions pose a considerable risk and often happen at intersections or during lane changes, emphasizing the need for safe driving practices within the rideshare ecosystem.
Understanding these common types of rideshare事故s is crucial for both drivers and passengers, as it sheds light on potential scenarios and emphasizes the importance of safe driving practices within the rideshare ecosystem.
作为独立承包商的司机
Many of us associate rideshare vehicles with taxi cab companies. These types of companies essentially have a fleet of vehicles that their employees use to pick up customers. On the other hand, rideshare companies operate a bit differently.
Uber and Lyft don’t necessarily employ those who drive for the companies. 而不是, 司机就像独立的承包商, utilizing their own vehicles as transportation for those who are using the apps.
Ridesharing companies purposefully so this so that, in the event of an auto accident involving one of their drivers, the companies are not automatically liable for damages. 除了, these companies actually require their drivers to have their own auto insurance that will kick in first if a crash occurs.
三部份保险计划
本质上, liability coverage is dependent on what the Uber or Lyft driver was doing at the time of the accident. Below are three scenarios that can help determine coverage:
- Not Driving for Uber or Lyft at the Time of the Accident. The rideshare driver was not available to pick up passengers and had the driver mode turned off. If a car accident occurs during this time, the driver would need to go through their own insurance. 如果有人被司机打伤, they will have to make a claim against the driver’s personal auto insurance, 太.
- The Driver Was Logged Into the App but Had No Passenger. This means that a driver was waiting for a ride request with driver mode turned on when the accident occurred. 在这种情况下, both Uber and Lyft have contingent liability coverage that will kick in if the driver’s coverage doesn’t cover all damages: $50,每人身体伤害, 最高100美元,000元/次, 和25美元,财产损失赔偿.
- 司机当时正在运送一名乘客. If an accident occurs while the driver was transporting a passenger, Uber and Lyft will generally accept financial liability and cover the damages. Both Uber and Lyft have $1 million policy coverages and $1 million in dollars in uninsured and underinsured insurance coverage.
优步和Lyft的100万美元责任保险
There are certain cases where the driver’s own auto insurance may not be enough to cover all the damages, such as if multiple vehicles are involved or totaled. This can leave some injured individuals with out-of-pocket expenses that they cannot afford.
给顾客一些安心, both Uber and Lyft offer an additional $1 million liability policy coverage. This will go into effect after the driver’s insurance coverage is run up or their insurance company denies a claim.
联系肖邦律师事务所
如果你受伤了 rideshare事故, you should not hesitate to pursue compensation for your losses. Handling the negotiations during this process can be challenging and stressful, 尤其是在保单不明确的情况下.
我们的团队 熟练的车祸律师 at The Chopin Law Firm are here to take the stress off of your back during these times. We will work as your legal advocates to determine liability in your rideshare事故 case and work hard to ensure you receive maximum compensation for your losses.
You can feel confident knowing your case is in our hands. 联系肖邦律师事务所 (504) 475-2429 安排你的 免费案例审查. We are also providing phone consultations during the coronavirus pandemic.
