For modern day transportation needs, transportation network companies (TNC) such as Uber and Lyft have become increasingly popular over recent years. The use of a TNC, sometimes referred to as peer-to-peer ridesharing, allows passengers to connect with independent drivers.
While strict regulations governed by the state are in place for commercial vehicles, TNC’s such as Uber and Lyft were not subjected to the same kind of requirements until recently.
Ride shares are required to get a license from the CPUC, conduct criminal background checks on all drivers, have a driver training program, abide by a zero-tolerance drug and alcohol policy, as well as have a minimum of $1 million per incident insurance coverage.
With the increase in consumer usage, there have been an increased number of car accidents that involve Uber and Lyft vehicles. The question then becomes, what exactly are your rights as a passenger involved in one of these accidents?
If your driver causes an accident, your claim will be against your driver. Since you are a passenger that has been picked up by the service, the $1 million minimum policy limits are in effect. If you carry UM/UIM coverage above and beyond the TNC’s limits, you can tap into that policy if the TNC limit is reached.
It is critical to make sure your driver is logged into his or her app during your ride to ensure your coverage under the company’s policy. If you were to be in an Uber vehicle with a driver who had his app off for some reason, the driver’s private policy would be in effect and not the company’s.
It is important to understand that as an injured person in a ride share, you most likely will not be covered by a personal auto policy. This is due to the fact that auto policies were not intended to provide coverage for injuries sustained while the vehicle was engaged in a commercial enterprise.
Being involved in an auto accident while in an Uber or Lyft can be complex due to changing laws and regulations. Under current company policies, drivers should be covered as long as they are logged into the app.
If you have been injured as a passenger in an Uber or Lyft and would like to find an experienced car accident attorney, visit our directory of attorneys to find one near you.
