By: John Blyth
Ridesharing services are becoming one of the most convenient and preferable methods of transportation. The popularity of this kind of transportation is increasing, with many consumers looking for this alternative instead of taxi cabs or other means of public transportation. Ridesharing services provide prearranged transportation by using an App to connect drivers with potential passengers.
New York travelers often use ridesharing services like Uber, Sidecar, and Lyft. Ridesharing is very convenient, however, there are complex insurance issues associated with it in the event of a car accident involving a Rideshare vehicle.
The reason why it is not easy to insure ridesharing vehicles is because it is difficult for insurers to address the different exposures and get adequate rates. For example, the insurance coverage for a particular vehicle may change depending on whether the driver: (1) is logged into the app and waiting to be matched with a rider; (2) has accepted a trip and is en route to pick up the requesting ride; or (3) is on a trip with a rider.
Another consideration is how experienced the driver of the ridesharing vehicle is. Many drivers are using their personal vehicles and are driving on a part-time basis. They are not professional drivers and most likely do not have commercial auto insurance policies. Taxis and other private passenger auto drivers have vast experience with transporting passengers on the busy streets of New York City. Taxi companies also make sure that drivers are responsible in maintaining their own vehicles.
If you are involved in a motor vehicle accident with a ridesharing vehicle, or as a passenger using a ridesharing service, there are several important factors that require immediate consideration. Because automobile insurance laws differ significantly from state to state, it is crucial that you consult an attorney experienced with the complex insurance issues surrounding New York ridesharing services as quickly as possible. Between medical care, accident investigation, and uncovering all available insurance coverage, having a skilled and experienced New York car accident attorney behind you can make the difference between winning and losing your case.
If you have been injured in a motor vehicle accident involving a ridesharing vehicle, then contact our offices to speak to an attorney about your options. The New York car accident lawyers at Hach & Rose, LLP, fight tirelessly on behalf of car accident victims and put the full weight of our firm’s resources behind you. Contact our offices at (212) 779-0057 or (866) LAWS-USA for more information.