Can You Sue If You’re Injured While Using Uber or Lyft in the Bronx?

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Understanding Rideshare Accidents and Liability

Rideshare services like Uber and Lyft operate differently than traditional taxis, complicating personal injury claims. When you’re injured as a passenger in a rideshare vehicle, multiple parties may be involved, including the rideshare driver, another driver, or even the rideshare company itself. Determining who is at fault and responsible for compensating you can be challenging.

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Who Can You Sue After a Rideshare Accident?

1. The Rideshare Driver

They may be held liable if the Uber or Lyft driver caused the accident due to negligent behavior—such as speeding, distracted driving, or failing to obey traffic laws. Rideshare drivers are considered independent contractors, not employees, which means their personal auto insurance may come into play if they are found at fault.

However, most personal auto insurance policies exclude coverage for accidents that occur while the driver is “on the clock” for a rideshare service. This is where Uber and Lyft’s insurance policies step in.

2. Uber or Lyft’s Insurance Policy

Both Uber and Lyft provide insurance coverage for their drivers while they are actively logged into the app. Here’s how it works:

• When the driver is not logged into the app: The driver’s insurance applies, and Uber or Lyft provides no coverage.
• When the driver is logged in and waiting for a ride request: Uber and Lyft provide limited coverage (up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage).
• When the driver is actively picking up or transporting passengers: Uber and Lyft offer up to $1 million in liability coverage and uninsured/underinsured motorist coverage.

The $1 million liability coverage typically applies if you were injured as a passenger, but navigating these policies can be complex.

3. Another Driver

If another driver caused the accident while you were riding in an Uber or Lyft, their insurance policy would be the first source of compensation. Uber and Lyft’s $1 million uninsured/underinsured motorist coverage may also apply if they are uninsured or underinsured.

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What Damages Can You Recover After a Rideshare Accident?

If you’ve been injured while using Uber or Lyft in the Bronx, you may be entitled to compensation for a variety of damages, including:

• Medical expenses (hospital bills, physical therapy, medication, etc.)
• Lost wages and loss of earning capacity
• Pain and suffering
• Emotional distress
• Property damage (if applicable)

Every case is unique, and the amount you may recover will depend on the circumstances of your accident and the extent of your injuries.

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Steps to Take After a Rideshare Accident in the Bronx

If you’ve been injured while using Uber or Lyft, taking the following steps can help protect your rights and strengthen your case:

1. Seek Medical Attention Immediately – Your health and safety should always come first. Even if you feel fine, some injuries may not be immediately apparent. Getting medical attention ensures that your injuries are documented, which is crucial for your claim.
2. Report the Accident – Notify Uber or Lyft about the accident through their app, and make sure the police are called to the scene. The police report will serve as an essential piece of evidence.
3. Gather Evidence – Take photos of the accident scene, your injuries, and any damage to the vehicles involved. Collect contact information for all parties, including the rideshare driver, other drivers, and witnesses.
4. Don’t Speak to Insurance Companies Without Legal Representation – Insurance adjusters may try to minimize your claim or pressure you into accepting a low settlement. Speak with an experienced personal injury attorney before providing any statements or signing anything.
5. Contact a Bronx Personal Injury Lawyer – Navigating the complexities of rideshare accident claims can be overwhelming, especially when dealing with multiple insurance companies. A skilled attorney can help you determine liability, negotiate with insurers, and pursue the compensation you deserve.

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How Apicella & Schlesinger Attorneys at Law Can Help

At Apicella & Schlesinger, we have over 45 years of experience helping accident victims in the Bronx and across New York City. Our team understands the unique challenges of rideshare accident cases and is committed to fighting for the compensation you deserve. Whether you were a passenger, a rideshare driver, or another motorist injured in an Uber or Lyft-related accident, we’re here to provide personalized, compassionate legal support.

Don’t let the complexities of a rideshare accident keep you from getting the justice you deserve. Contact us today for a free consultation to discuss your case. You pay nothing unless we win.