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Rideshare accidents: who pays if you are injured as a passenger?

On Behalf of | Nov 19, 2021 | Car Accidents

You never expected to get into an accident when you ordered a ridesharing service. But the unexpected happened, and now you have injuries from a car crash. The driver at fault for the crash will have to pay for your losses. Depending on the circumstances of the crash, either your driver or the other must compensate you for your injuries.

If it was the other driver’s fault

Like in any other type of car accident, the driver at fault must compensate the crash victims for their medical expenses, lost wages and other damages. If the other driver caused the accident, you and your driver have the right to ask them for compensation. If the other driver’s insurance company offers you an unfair amount of compensation or is unwilling to give it to you, you can file a lawsuit against them.

If your driver was at fault

Florida requires all drivers of ridesharing companies, also known as transportation network companies (TNC), to have higher liability insurance to cover for their injured passengers. The most popular TNCs pay commercial insurance coverage for their drivers, which allows the passenger to ask the ridesharing company for compensation if they get hurt during the ride. Because of this, you can file a claim with the TNC’s commercial vehicle insurance to ask for compensation if your driver was at fault for the accident.

Compensation

Each TNC has its different coverage types and limits. However, according to the National Association of Insurance Commissioners, the most popular TNCs offer a 1 million limit on primary liability coverage. Some TNC’s policies may also include uninsured motorist coverage, which will cover your expenses if the other driver that caused the accident lacks insurance.

Your right as a passenger

If you got injuries as a passenger of a rideshare vehicle, you have the right to ask the driver at fault for the accident to compensate you for your medical expenses, lost wages and even your pain and suffering. In Florida, you have four years to file a legal claim and ask for your rightful compensation. This is your right under the law, and you can fight for it in court.