Philadelphia Uber Accident Lawyer
Uber, Lyft, and sidecar are popular commercial ride-hailing services which enable riders to hail a private taxi with the touch of a button on their smartphone application. Because commercial ride-hailing services like Uber and Lyft are so popular, we are seeing more and more instances of these cars being involved in accidents. With these services, both driver and company have a duty to protect the safety of their passengers, and must also have adequate insurance coverage in the event of an accident. If you were involved in an accident with an Uber or Lyft driver either as a passenger or in the other vehicle, you should consult with a lawyer. At The Law Offices of Greg Prosmushkin, P.C., we offer free consultations. Take advantage of your free consultation; call The Law Offices of Greg Prosmushkin, P.C. today to evaluate your claim.
The ridesharing phenomenon has made getting around the city of Philadelphia easier and has provided many individuals with a new source of income. However, as these ride-hailing apps grow more popular, more and more Uber and Lyft vehicles are becoming involved in car accidents. Consequently, insurance companies are not always providing the proper compensations deserved by victims of these accidents. Ridesharing collision cases are recent developments, and therefore entail murky legal waters. Uber and Lyft accident victims often are not sure what steps they must take to receive the proper compensation for their injuries. Our attorneys specialize in this complex area of law, and can give victims a chance for justice.
What Is the Difference between Uber and Taxicab Services in Terms of Insurance?
Uber and other ride-hailing service drivers use their own personal vehicles as part of the ridesharing process. These drivers are not employees of the ridesharing company; rather, they are considered independent contractors. Like every other vehicle on the road in the Commonwealth of Pennsylvania, vehicles used in ride-hailing services are required to have insurance coverage. However, since these are private owners using their own personal cars, some insurance companies may deny claims due to the fact that the car is not being used for personal use, but instead for a commercial purpose. Without some commercial policy to cover a loss, there is a serious question about whether a driver in the rideshare company, a passenger, or the other vehicle will have coverage based upon this mixed use.
Currently, Uber takes the position that a passenger or driver of the other car is covered for Uber’s commercial policy. This may not apply to the driver of the car you are in. The issues for compensation are complicated when using a ridesharing car company.
Fortunately, ride-hailing services maintain insurance policies that change upon the phase of the ride. For instance, Uber maintains a commercial policy with one million dollars of liability coverage per accident once the driver agrees to pick up a rider. This coverage continues until the trip is complete and the rider reaches his destination. In between trips, most drivers’ personal insurance provides coverage. Specifically, Uber drivers are backed by an additional policy for bodily injury. Uber also maintains one million dollar insurance coverage for uninsured or underinsured motorists. It is safe to say that if you or a loved one has suffered an injury as a result of an accident with a ride-hailing service, then with the proper assistance and help from the lawyers at The Law Offices of Greg Prosmushkin, P.C., your claim will be a success.
This content was written on behalf of Greg Prosmushkin.