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With the advent of “rideshare” services such as Uber and Lyft, among others, the question arises of who will be responsible for injuries sustained by riders of these services. The short answer is, it depends.

There may be any number of commercial and personal insurance policies that might cover the “rideshare” rider. For example, Uber’s website indicates that, for rides requested through UberBLACK, UberSUV, or uberTAXI, there is a “commercial insurance policy in at least the minimum amount required by local regulations”, while rides requested through uberX may be covered by drivers’ personal insurance policies, commercial insurance policies, and uninsured/underinsured motorist coverage.

This does not account for policies covering other vehicles involved in any collisions, policies personal to the riders/passengers themselves, or policies covering other entities who may bear responsibility for the injuries sustained by the riders of these services.

If you are injured while using a “rideshare” service, please be sure to gather as much information about the identity, employers, and insurance policies of everyone involved, and to take as many pictures of damage or injuries as possible. Unless you feel confident you will properly identify the various policies which may cover your injuries, and successfully navigate your claims to a satisfactory resolution, CONSULT WITH AN ATTORNEY IMMEDIATELY. The office of Heiting & Irwin offers free consultations, so call today.

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