Although the company will generally cover some if not all of the costs of an accident, who is responsible in a Lyft accident depends on the driver’s status at the time of the crash. Depending on the extent of the accident injuries can be severe so it is important to understand how medical and other expenses can be covered. Work with a Middlesex auto accident attorney to learn more and acquire representation.
Who is Responsible for Injuries in a Lyft Accident?
Because New Jersey is a no-fault state, an individual’s insurance will contribute to some of the expenses associated with an accident, regardless of who was responsible. If the injured party’s insurance does not cover the full extent of their expenses, typically they could seek compensation through the negligent party’s insurance. However, the other driver’s insurance is not responsible for an individual’s medical expenses if they were driving for work. Because of this rule, Lyft drivers cannot be covered by another driver’s insurance in the event of an accident. So how can they cover the expenses?
Will Lyft Cover Any Accident Expenses?
Various individuals and entities can be held liable for an accident that occurs in a Lyft or other ride-sharing vehicle. Timing is everything, so consider how an accident that happens in the following instances might alter who is found responsible for injuries.
- When the app is off: If the driver is in their vehicle but offline, as in not using the app, they are using their car for personal use. If an accident occurs the driver is responsible for covering costs and they can only rely on their own insurance.
- When the driver is available: When the Lyft driver is driving the car with the app open and waiting for a passenger to accept a ride, they are working and Lyft will offer third-party liability insurance of $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 per accident for property damage.
- When the driver is picking up a passenger: If the driver has accepted a ride and is en route to pick up a passenger, Lyft will cover $1,000,000 in third-party auto liability coverage, uninsured motorist coverage, PIP, Occupational Accident coverage, and comprehensive and collision coverage that covers as much as the cash value of your car.
- When a ride is in progress: If the driver has a passenger in the car and a ride in progress, Lyft will cover $1,000,000 in third-party auto liability coverage, uninsured motorist coverage, PIP, Occupational Accident coverage, and comprehensive and collision coverage that covers as much as the cash value of your car.
It is important to note that although Lyft may cover the cash value of your car, there is a $2,500 deductible that must be met before you can recover that compensation.
Accidents are bound to happen at one time or another, especially when you drive for a living. It’s important to understand your rights as a ride-share driver and the liability you may face after an accident. Speak with a lawyer for legal advice today.
