Filing A Claim After Sustaining Injuries As A Passenger in a Ridesharing Car
The use of ridesharing companies is common in today’s society. While ridesharing can save commuters money and offer convenience, they also carry risks of personal injury for passengers. When passengers are injured while travelling in a ridesharing car, they may wonder if they can seek compensation from the car driver or the ridesharing company the driver is working for.
The question of whom to seek compensation from is a complicated one when it comes to ridesharing companies. The ridesharing drivers are not technically employed by the ridesharing companies. The drivers work as independent contractors, driving their own cars and providing their own insurance coverage. Florida law requires rideshare drivers to have minimum amounts of insurance coverage as protection for the passengers.
Therefore, injured passengers who suffer injuries in a car accident while riding in a ridesharing car can seek compensation from the driver. However, under the terms of some insurance policies, if the driver is engaged in an activity like ridesharing, and did not disclose this to the insurance company, the insurance company can use this as grounds to deny coverage.
Fortunately, if the passenger has insurance, the passenger’s insurance may be required under law to cover his injuries even if the driver does not have insurance. Most insurance policies cover the insured even if he gets in a car accident in a car that is not his own or is not covered under the insurance policy. Ridesharing passengers can check their insurance policies for limitations on coverage.
Suing the ridesharing company is more complicated than seeking compensation directly from the driver. The ridesharing company is often more likely to fight any attempt to cover injuries caused by the ridesharing driver if the company does not consider the driver to have been working at the time of the accident. This is because the company does not want to accept responsibility for an independent contractor. Nevertheless, the companies typically carry insurance coverage that can compensate an injured driver who makes the right claim.
If the accident is caused by another driver, and the ridesharing driver is not at fault, then the passenger can seek compensation from that at fault driver. If the at fault driver lacks insurance or is underinsured, the passenger can seek additional compensation from the ridesharing company. Generally, the passenger has several options after sustaining injuries, and should not be left covering the costs of his injuries out of pocket.
Contact An Experienced Personal Injury Attorney
If you are injured in a car accident while riding in a ridesharing car, you need to contact an experienced personal injury attorney in order to get legal guidance on how to pursue a claim for your injuries. It is possible to get compensation for lost wages and permanent injuries in addition to coverage for medical costs. For more information contact an experienced car accident injury lawyer at Vocelle & Berg, LLP, in Vero Beach, Florida for a free consultation.