Ride-sharing companies, specifically Uber and Lyft, have changed transportation, and the statistics are staggering. Worldwide in 2017, Uber had 3 million drivers and provided 15 million rides a day. Lyft had 1.4 million drivers and provided 1 million rides per day. Uber had 75 million riders, and Lyft had 23 million riders.
If you are injured by an Uber or Lyft driver, you need an attorney to address the many issues related to your claim. For instance, were you a passenger in the Uber or Lyft vehicle or were you in a vehicle that was struck by an Uber or Lyft vehicle? If you were a passenger in an Uber or Lyft vehicle, the Terms of Service that you agreed to when downloading the application is very important. The governing jurisdiction is also a crucial aspect of your claim. You will need an attorney’s help to navigate both.
The good news is that Uber and Lyft may provide substantial insurance coverage for injuries sustained by you. Due to recent state and local regulation, Uber and Lyft are generally required to maintain both liability and uninsured/underinsured (UM/UIM) coverage for their drivers and passengers. What determines the amount of coverage available is whether the Application is on or not. If the Application is on, insurance coverage is almost certainly available to individuals injured by Uber or Lyft drivers. If the Application is on and a ride has been accepted or a passenger is in the vehicle, Uber and Lyft generally provide $1 million per person or incident in liability coverage and $1 million per person or incident in UM/UIM coverage.