If your Uber or Lyft malfunctions and causes an accident, you may be worried about what you should do next. Insurance provided by Uber or Lyft typically covers drivers. However, if a driver’s car malfunctions it may be difficult to claim compensation for your injuries, especially if the driver owns the car that malfunctions. If you or a family member were injured while driving or riding in an Uber or Lyft vehicle that malfunctioned, you should consult with an experienced Philadelphia Uber and Lyft car accident injury attorney. At The Reiff Law Firm, our injury lawyers can help you recover compensation from rideshare companies like Uber and Lyft. Our lawyers explain what happens if your Uber or Lyft is defective and causes a car accident.
Who is Liable if Your Rideshare Vehicle Malfunctions?
If your rideshare vehicle malfunctions, various parties could be responsible for your injuries depending on why the vehicle malfunctioned. One party that could be held liable for your injuries is the manufacturer of the car that became defective. For example, if a vehicle is equipped with tires that are prone to blow out because of how it was created, the tire manufacturer may be held liable for injuries caused by the defective tires.
In addition to a possible product liability claim against a negligent manufacturer, the driver of the vehicle could also be held responsible for some injuries. If the driver owns or leases the vehicle and fails to maintain it properly, they may be liable if their actions cause the vehicle to malfunction. For example, if a driver is aware they need new brakes and does not rectify the issue, this can lead to being unable to stop at a crucial moment.
Uber and Lyft may also have programs that offer drivers the opportunity to rent a rideshare vehicle to pick up passengers. Uber offers drivers basic maintenance on vehicles that are rented by drivers. This means that if a vehicle is not properly serviced and causes a passenger to suffer a serious injury when it malfunctions, Uber may be held liable for the accident. It is also important to note that rideshare companies sometimes partner with third parties to offer drivers options to rent vehicles. This means that liability for a defective vehicle could also fall on a third party.
To learn more about liability when your Uber or Lyft malfunctions, you should consult with an experienced Philadelphia personal injury lawyer.
Are You Covered Under Uber/Lyft Insurance?
Uber and Lyft do have insurance that covers passengers when they are injured. However, there are certain circumstances that determine whether those insurance policies will cover you.
Both Uber and Lyft have nearly identical car insurance policies when it comes to passenger injuries. For example, each company offers one million dollar coverage per accident for a personal injury. They also offer million dollar coverage per accident for property damage and uninsured/underinsured motorist protection coverage.
There are also certain circumstances when Uber or Lyft’s insurance policy does not cover you. For example, if a driver is not logged into the Uber or Lyft app, they may not be considered on-duty and may not be covered under the insurance policy. This means that the driver, passengers, pedestrians, and anyone involved in an accident with the driver cannot use the ridesharing company’s insurance policy to recover for any injuries.
Additionally, if an Uber or Lyft driver has their application open but have not accepted a ride, they are covered under the insurance policy for each respective company. However, they will not be covered under the million dollar insurance policy. Instead, they will be covered for $50,000 per person and $100,000 total for all injuries. It is also important to note that this insurance is only applicable if the driver’s insurance cannot cover the accident.
The $1 million insurance coverage does apply once a ride has been accepted and until all passengers in the vehicle arrive at their destination. You should also be aware that Uber and Lyft are constantly adapting their insurance coverage to new situations. This means that the rules for coverage are subject to change for each company. It is also important to note that Pennsylvania may regulate the type of insurance that rideshare companies are required to procure.
Our Philadelphia Personal Injury Attorneys Can Help You with Your Uber or Lyft Claim
If you or a family member was injured because an Uber or Lyft vehicle malfunctioned, you should contact an experienced personal injury attorney today. At The Reiff Law Firm, we will provide you with aggressive legal representation to help you pursue the compensation that you deserve for your injuries. To schedule a free consultation, call us at (215) 246-9000, or reach us online.