Are You Covered In A Ridesharing Accident?
Posted By Law Offices of Russ E. Robbins
In the past several years, ridesharing services such as Uber and Lyft have greatly influenced the way we commute. Whether you are trying to get home after a night of social drinking or avoid using public transportation, a ride can be summoned by the use of your cellphone.
Alas, legal questions have been raised about who is liable in an accident involving a rideshare driver and how are these individuals covered if an accident occurs and you have injuries. Are they company employees? Or are they independent contractors?
Currently, Uber and Lyft drivers are considered independent contractors. But, they do not meet all of the IRS’s requirements for independent contractors, which has created a debate about whether or not they are company employees.
However, if your car is hit by a rideshare vehicle in Florida, you are eligible for $10,000 in personal injury protection (PIP) benefits, which comes out of the automobile policy of the driver who struck you. But, if you are in a rideshare vehicle and hit by another rideshare vehicle, you are not eligible for PIP benefits, since state law excludes taxis and other publicly accessible vehicles.
If you are injured because of a rideshare driver, they must have bodily injury liability coverage. Nevertheless, how much coverage the driver carries can vary and it may not be enough to cover you in the event of a crash if an injury occurs. That is why it is imperative that you select some form of underinsurance motorist coverage in order to compensate for any shortfalls in the at-fault driver’s coverage.