The issue that makes dealing with ride sharing accidents more complex is the fact that many ride sharing drivers probably won’t have commercial or even sufficient personal car insurance policies that will cover a victim’s serious injuries.
Moreover, Insurance Corporations have many boilerplate provisions called “Business Use Exceptions” clauses, which exculpate them, if the insured vehicle is used for commercial purposes, such as Uber or Lyft.
So, the important question that remains is; whom to hold responsible for the passengers injures in a ride sharing vehicle?
Uber and Lyft corporations are required to carry third party liability insurance coverage, which, generally, pays up to $1 million dollars for personal injuries and property damage per accident. These policies will often only kick in after the ride sharing driver’s own insurance has been exhausted.
If the ride sharing driver does not have sufficient insurance to cover the liabilities or does not have insurance coverage at all, then the ride sharing company’s Uninsured or Underinsured Insurance Coverage could be held liable.
Another issue that causes complication in ride sharing accidents is the fact that Uber and Lyft Corporations try to avoid responsibility under Independent Contractor Provisions. Here Uber or Lyft argue that drivers are not employees, but rather they are independent contractors.
This important distinction, if accepted by the court, could make a huge difference. That is because employees’ negligence or other wrong doings during the scope of employment vicariously implicate employers as well, while it is not the case with independent contractors.
In order to find the right parties to be held liable and to argue effectively that the ride sharing company is liable, you need a Capable, Credible and Compassionate Chosen Ride Sharing Accident Lawyer. Thus, if you’ve been injured in any type of accidents involving Ride Sharing Corporations, please click HERE and know your rights, right away! You can obtain a professional assessment of your case, CONFIDENTIALLY and FREE!