Do You Uber? Pay Attention To This!
Do you Uber? Pay Attention to this!
By: Luis Gracia
In this day and age, it is hard to find a person who has never used Uber, Lyft, or any other rideshare companies. Before you do so, there are several things to keep in mind. This article serves prepare you for the worst and help prevent future headaches.
If you drive for Uber and any other rideshare company, you may be familiar with the requirements you fulfilled in order to qualify. Proof of insurance is one of the main requirements that you need to satisfy. However, simply having insurance is not the end of the conversation.
Most people don’t realize that regular car insurance typically covers personal use. The problem lies in the fact that insurance policies usually have exclusions if you use the vehicle for commercial purposes. Initially, when these rideshare companies became relevant, people did not realize that their use under these companies could be considered commercial use.
What does this mean to you? It means that if you get into an accident while driving a passenger for Uber, your insurance carrier may refuse to cover any of the expenses and costs associated with the accident. Likewise, if you get into an accident with someone else who is driving for Uber, it is possible that their insurance carrier will also refuse to cover the expenses and costs. This leaves people in a position where the insurance that they have paid for leaves them vulnerable and unprotected.
What can we do to fix this? In recent years, insurance companies have created methods to fill gaps in coverage. These are additional policies which can cover you if you decide you want to make a little extra money by driving for Uber. You can need to contact your own insurance carrier to see if you have these extra protections on your policy. A quick phone call now can prevent a huge headache later on in life.
What if an Uber driver hits you? This is an emerging issue in the legal field. Everyone generally thinks of Uber, Lyft and other rideshare companies as transportation companies. On their face, that is what the people see. However, if you ask Uber what they are, they will say they are a technology company. These rideshare companies claim that they have created software and apps which they then license to drivers. Allegedly, the revenues that Uber generates are not from transportation services, but are instead from licensing software to people.
When a person signs up to drive for Uber and other rideshare companies, they usually sign a contract which labels them as independent contractors. This means that the drivers are technically not employees of Uber. Getting into an accident with an independent contractor generally cuts off liability of the main company. In other words, if you want to sue Uber because one of their drivers caused an accident, you will likely not succeed against Uber.
Is there a bright light? It is possible to succeed in a lawsuit against Uber and other rideshare companies if you can prove that they negligently hired their driver or negligently entrusted the driver with the ability to drive people. This is one of the reasons that selecting a good attorney and firm is important. The attorneys at Rue & Ziffra have been handling personal injury cases for 40 years. If you or someone you know has been involved in an accident involving an Uber driver, call 386-788-7700. For more information, please visit: http://www.rueziffra.com/automobile-accidents