What happens if you are taking a ride on a car operated by Lyft and you are injured in an accident?
Lyft is taking major California cities by storm. Many people who hate taxicabs love Lyft! Lyft cars are easily recognizable by virtue of the pink furry moustache on the hood of Lyft cars. Lately it seems people in California’s biggest cities, from San Francisco to Los Angeles to San Diego, are raving about Lyft. With the tap of your finger on a mobile phone app, a privately owned and driven vehicle is summoned to come to you. The cars are personally owned by their drivers. They charge based on GPS mileage, not some meter. It seems to be the perfect antidote to what many feel is less than perfect experience with traditional taxi cab companies.
What happens though if you are involved in an accident and seriously injured? Because of lack of adequate insurance coverage, Edmond El Dabe warns of the unseen consequences of riding with these unmanaged services. Injury through a collision or personal property loss in a Lyft vehicle could leave you at curbside without any options. Insurance may totally ignore you.
You should consider a few things. The Lyft system of cars and drivers are not licensed or regulated for taxi service. This lack of regulation leaves open the question of who foots the bill after someone gets crippled in a rideshare accident. Customers riding in a Lyft car have nowhere to turn in the event of a bad accident or serious injury.
Traditional insurance policies may prevent an injured passenger from recovering benefits if the driver was using the car for business. Most insurance companies will exclude a vehicle from coverage of the driver is using the car for a business.
In the past, these companies have been unregulated, but California regulators are in the process of approving the companies, only if they comply with basic insurance requirements and have safety measures in place. New regulations being proposed would require Lyft drivers to undergo background checks, obtain driver training, require a zero-tolerance policy on drugs and alcohol and carry insurance policies with a minimum of $1 million in coverage.
Call the El Dabe Law Firm if you have been involved in an accident while a passenger with Lyft or any other rideshare program. Our injury law experts with work with you to see what can be done to right the wrong and find proper insurance coverage.