Being able to tap on an app that is on your phone and then having a ride show up not long after is a luxury that most people are indulging in. Uber and Lyft have become extremely popular ways for people to get where they need to go, not have to worry about driving in traffic to get where they are going, and still save money.
Uber and Lyft both conduct thorough backgrounds on all their drivers so you can be sure that you are getting into a vehicle with a safe driver. All drivers have to have a clean driving background and a clean criminal background to be employed and drive for Uber and Lyft.
However, Uber and Lyft drivers are considered independent contractors and are liable for their own insurance for their vehicles. New York is considered a no-fault insurance state, meaning every driver has to have a minimum of $50,000 of personal injury protection insurance, otherwise known as PIP.
Although, Uber and Lyft do have their own insurance that is used to compensate people who have been injured in an accident with one of their drivers. Uber and Lyft both carry $1.25 million of insurance coverage in addition to what they require their drivers to carry, so passengers do not need to worry about compensation if they are injured in an Uber or Lyft accident.
Accidents can happen at any moment, even in an Uber or Lyft ride. Uber and Lyft rideshare can be considered more dangerous than if you were driving your own vehicle as you have no control over the vehicle. This means that an accident with Uber or Lyft can be a complex journey as you are not the driver of the vehicle.