Comparing Rideshare and Traditional Taxi Accident Claims
While many see rideshare services like Uber and Lyft as a modern day alternative to taxicabs, when accidents occur, injury claims involving these vehicles differ. Thankfully, there are professionals who can guide you through the recovery process. Talk to a Boca Raton personal injury lawyer about how to fight for the justice you deserve.
Insurance Coverage, Liability, and Determining Fault
Rideshare company coverage varies depending on the driver’s activity at the time of the accident. For example, if the driver is off of the app, their personal auto insurance applies, which may have limitations or exclusions for commercial activity. But if the driver is carrying a passenger, the rideshare company’s commercial insurance policy typically applies.
Insurance coverage is different when it comes to traditional cabs. Taxi companies carry commercial insurance policies for their entire fleet of vehicles, which means there is generally company coverage in place for passenger injuries and third-party claims. Unlike rideshare drivers, taxi drivers drive their vehicles solely for business, meaning their commercial insurance is in effect at all times during operation.
In both rideshare and taxi accidents, proving fault is critical to a successful claim.
- Rideshare claims. Determining fault can be complicated due to the involvement of multiple parties, including the rideshare driver, another driver, or even the rideshare company. Evidence such as app records, GPS data, and witness statements can be crucial.
- Taxi claims. Taxi companies are considered common carriers, meaning they have a higher duty of care to passengers. If the taxi driver is at fault, the company is often held liable under vicarious liability.
For both types of accidents, timely action and thorough documentation are vital. Gathering evidence, such as accident reports, witness statements, medical records, and photographs of the scene, can strengthen your claim. And when it comes to dealing with rideshare companies, there may be additional steps, such as obtaining app data or ride logs.
After a rideshare collision, complications can arise due to rideshare companies classifying drivers as independent contractors, not employees. This classification can limit the company’s liability unless negligence, such as improper background checks, is proven. And when it comes to taxi accidents, companies may dispute liability by arguing the driver was not acting within the scope of their duties or was violating company policies at the time of the accident.
How a Lawyer Can Help
Accidents involving hired cars, whether the ride was through a rideshare service or a traditional cab company, can be overwhelming. This is often the case when an injured party is juggling communications from multiple insurers.
A skilled Boca Raton personal injury lawyer can help you navigate the complexities of insurance policies and coverage tiers, whatever your situation. They can also gather evidence to prove fault, establish liability, and negotiate with insurers to secure fair compensation.
Can you access funds through the insurance coverage of a cab company? While rideshare and taxi accidents share similarities, the legal processes and challenges vary significantly. If you’ve been injured in a Delray Beach, Deerfield Beach, or Pompano Beach accident, talk to the attorneys at Leifer & Ramirez. Call 561-660-9421 today for the support you need.
