Knowing what to following an Uber or Taxi wreck can be difficult, whether you were a passenger in one of these vehicles or if a rideshare collided with your vehicle. After you take the important steps of treating your injuries, you could benefit from discussing your legal options with a Phoenix Uber/taxi accident lawyer.
Uber and taxi drivers typically have substantial insurance coverage. These policies could provide you with compensation for your injuries or property damage. However, these insurance companies will take every step possible to avoid paying out on your claim. A hard-working injury attorney could make sure you are rightfully compensated for your losses.
While questions remain about rideshare companies’ potential liability in a crash, the amount of insurance coverage Uber and Lyft provide is well-settled. These companies have extensive insurance policies for their drivers, but the limits on those policies vary depending on the driver’s status. Uber does not insure their drivers when they are not actively seeking a passenger, but they do provide some coverage if an accident occurs in route to a pickup. The minimum coverage is much higher if an accident occurs with a passenger in the vehicle. When the Uber app is active, and the driver is transporting a passenger, the company provides up to $1 million in liability coverage.
If the rideshare driver does not have their app activated, Uber does not provide any coverage whatsoever. The driver would then face the same insurance requirements of any other motorist. In Phoenix, the minimum level of insurance required is:
Unlike rideshares, there are other avenues for compensation in the event of a wreck. Someone injured by a taxi in Phoenix should speak with a knowledgeable attorney to determine whether they should go to trial or settle with the company’s insurance.
While taxi companies must maintain minimum insurance levels, their coverage limits are typically much lower than rideshare companies like Uber. However, Ariz. Rev. Stats. § 28-4039 requires taxi drivers to carry a higher minimum level of insurance compared to passenger cars. These higher limits are only in effect when a taxi is providing transportation to a passenger. The minimum coverage under that statute includes at least $250,000 in liability insurance and $250,000 in uninsured motorist coverage per accident.
The minimum insurance a taxi driver must carry when not transporting a customer may be lower, but it is still higher than the requirements for passenger vehicles. An off duty taxi driver must have at least $25,000 in bodily injury coverage, with a total cap of $50,000 worth of injury coverage per accident.
The compensation available from an Uber or taxi accident claim is similar to any vehicle crash. Common examples of damages available in civil claims include:
It is important to account for all losses an injured claimant suffered to ensure they seek a full recovery. A uber/taxi attorney in Phoenix could review a claimant’s case and calculate all recoverable damages available.
Dealing with the repercussions of any car accident can be a challenge. However, there are additional complications when the responsible driver was operating an Uber or taxi. In some cases, you may be unable to file a claim against the at-fault party.
Speaking with a Phoenix uber/taxi accident lawyer could help you better understand your legal options. With the help of a well-practiced attorney, you could still recover the compensation to which you are entitled. Call now.