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How Accidents Involving Ridesharing Differ From Other Accidents

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When you're a driver using a ride sharing service, anything can happen. You might find yourself in an accident and wonder where liability lies. Oftentimes, ride sharing services will come with their own insurance policies and the driver's own insurance provider may also be responsible. In some cases, such as if the driver has not maintained insurance, you may face further complications.

A Ridesharing Driver is Not Considered an Employee

Drivers of ride sharing services are not considered employees of that service. For that reason, the company you rely on does not assume responsibility for the accident. When a driver is available and carrying a passenger, the ride sharing service may have an insurance police that will kick in after an accident. Not only that, but if a third party is injured by the accident, the insurance provider will typically cover that motorist as well. Another situation where the policy often kicks in is when the other motorist is at fault, but was uninsured. 

Some Drivers Might Not Be Covered

Like with all other insurance policies, the insurance policies of ride sharing services are typically dedicated to denying claims wherever they can. When the driver is distracted or drunk, you may still struggle to receive coverage because the driver is not considered an employee.

You May Sue the Driver's Insurance Provider

You always have the option to sue the driver's insurance provider. However, there are some insurance providers who do not allow a driver to use a car for work-related purposes or may explicitly prohibit ridesharing. If it's determined by the insurance provider that the driver was doing this, they may refuse to provide coverage.

A Personal Injury Law Firm with Help You Sort Out the Mess

After becoming injured, the best decision is to speak with a personal injury law firm that has experience with car accidents. A lawyer will be able to work directly with whichever insurance providers are responsible for covering the driver and will help you get your claim approved. Even if the insurance provider can approve your claim, they may seek a settlement that is much lower than you deserve. The consultation of a lawyer may help you avoid this.

The laws involving ridesharing are being rewritten to cover many of the gaps in insurance and to regulate this industry. For this reason, it's important to work with a lawyer who is informed about the most recent laws regarding ridesharing. Contact a legal professional, like James Lee Katz, for more help.


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