Rideshare accidents in White Plains NY involve a maze of insurance policies that regular car accident cases do not have. Uber and Lyft both carry commercial insurance. However, the coverage that applies depends on exactly what the driver was doing at the time of the crash. As a result, these cases require an attorney who understands how rideshare insurance layers work.
How Rideshare Insurance Works in New York
Rideshare companies carry up to $1.5 million in liability coverage. However, this coverage only applies when the driver has accepted a ride or has a passenger in the car. If the app is on but no ride is accepted, a lower coverage tier applies. Furthermore, if the app is off, only the driver’s personal insurance covers the accident. This tiered system creates confusion that insurance companies exploit to deny claims. The New York City Taxi and Limousine Commission regulates rideshare operations, but coverage gaps still leave passengers at risk.
If You Were a Passenger When the Accident Happened
If you were a passenger in an Uber or Lyft when the accident happened, you have the strongest position. The rideshare company’s full $1.5 million policy applies to your injuries. In addition, you may also have a claim against the other driver’s insurance. Therefore, you could have multiple sources of compensation available. An experienced attorney can identify all applicable policies and maximize your recovery.
If a Rideshare Driver Hit You (as Pedestrian or Driver)
If a rideshare driver hit you while you were walking or driving, the insurance situation depends on the driver’s app status. First, determine whether the driver had a ride request or passenger at the time. If so, the rideshare company’s commercial policy covers your claim. If the app was off, you file against the driver’s personal auto insurance. Either way, you deserve full compensation for your injuries.
Evidence That Matters in Rideshare Cases
Screenshot the rideshare app if you were a passenger. This proves the trip was active at the time of the accident. Also photograph the scene, both vehicles, and your injuries. In addition, get the driver’s name and license plate from the app. Request a copy of the trip receipt. This documentation connects the accident directly to the rideshare trip and makes it harder for insurers to deny coverage.
Talk to a Rideshare Accident Lawyer in White Plains
At GMR Law Office, we handle rideshare accident claims in White Plains and throughout Westchester County. We know how to navigate Uber and Lyft insurance policies. Call (914) 342-7004 for a free consultation. We speak English and Spanish.
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