In this article, you will learn…
- The difference between off-duty and on-duty rideshare drivers
- When to file a claim against the rideshare driver’s insurance or the rideshare company’s insurance
- What portion of the insurance policy covers your medical expenses from injuries sustained from a car accident involving a rideshare vehicle
Who Pays For Medical Treatment For Injuries A Rideshare Worker Sustained In A Car Wreck?
In New York, medical treatment for injuries sustained by an on-duty rideshare worker in a car wreck would typically be covered by the workers’ compensation insurance policy. If a rideshare worker is logged into the ridesharing app, such as Uber or Lyft, they are considered on-duty even if they do not have a passenger at the time of the car wreck.
If the rideshare worker sustains injuries in a car wreck while they are not logged into the ridesharing app, they are considered off-duty. If the driver is off-duty at the time of the car wreck, the driver’s medical bills resulting from the car accident would be covered by the driver’s auto insurance policy, specifically the no-fault provision of the policy.
Should A Rideshare Driver For Uber Or Lyft File An Insurance Claim Or A Personal Injury Lawsuit Against The At-Fault Party?
If a rideshare driver is involved in an accident for which another driver is at fault, whether or not the rideshare driver was on-duty or off-duty at the time of the accident, the injuries that the driver might sustain were the result of negligence of the other driver. The rideshare driver in that scenario would often be able to recover money for personal injury claims and any damages to the vehicle.
As A Passenger In An Uber Or Lyft Or Other Rideshare Vehicle Who Has Sustained Injuries In An Accident, Who Do I Pursue A Personal Injury Case Against?
A passenger in a rideshare vehicle that’s involved in an accident would pursue an injury case against all the drivers involved in the accident. That includes the driver of the rideshare vehicle and if there are other vehicles involved, the other drivers. In the course of that lawsuit, it will be determined who is liable for the accident and to what degree.
If My Uber Or Lyft Driver Was At Fault For An Accident That Caused My Injuries, Can I File A Personal Injury Claim Against The Rideshare Company Or Driver?
If your Uber or Lyft driver was at fault for an accident that caused you injuries, you would file a Personal Injury Claim against the rideshare driver. It can be complicated to determine the appropriate insurance company that is potentially liable to cover the loss in these situations. There may be more than one insurance company that is liable to cover the loss sustained by the insured driver.
I Was Injured By A Rideshare Driver Who Was At Fault For The Accident. Do I File A Claim With My Own Insurance Company? Or Will The Rideshare Company Provide Compensation For My Medical Care?
If you were injured by a rideshare driver who was at fault for the accident in the state of New York, the medical expenses would be covered by the no-fault provision in the insurance policy of the vehicle that the person was in at the time of the accident. If you were the passenger in the rideshare vehicle, your medical bills would be covered up to at least $50,000 by the rideshare vehicle’s insurance.
In most situations, your medical expenses would be covered by no-fault provision of your vehicle’s auto insurance policy, regardless of fault.
For more information on Auto Accidents Law In New York, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (516) 588-6224 today.
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