The holidays are here in Mississippi and with that comes an influx of Uber rides. Uber, for those unfamiliar, is a quasi-taxi business where the drivers are independent contractors and haled to the customer via a smartphone app. Ride sharing services such as Uber and Lyft see an uptick in services around holidays because people fly in from out of town and need rides to family members’ homes or they might go out and have too many drinks with friends they have not seen in a while. Uber and Lyft offer cheaper and more efficient rides than traditional taxis; especially in smaller states like ours where there are not as many cabs. But for all the good that a ride-sharing service has for its passengers, most people don’t think about what they would do if their driver had a wreck en-route to the destination.
If you find yourself involved in a wreck where you are a passenger/client while riding in an Uber in Mississippi you need to take a few steps to protect your interests in the event you have to file a lawsuit. Here’s what you need to do:
Uber and Lyft drivers are independent contractors, which means they are not employed by their respective ride-sharing companies. What this means is that in the event of an accident, you would file a claim against the driver and the driver’s own personal car insurance the same as if you were a passenger in the vehicle had there not been a payment service. You might be worried and asking yourself if your driver is even insured at all, well you can rest assured in the fact that both Uber and Lyft require their contractors to be insured in accordance with the driver’s given state required minimums, so you are almost guaranteed to have a claim in the event of a crash.
In addition to the contractor’s own automobile insurance, if you are injured in the course of your trip as a passenger in an Uber or Lyft, you will most likely be covered under the company’s $1 million commercial vehicle policy.
If you or a loved one has been injured while riding in an Uber or Lyft as a passenger in Mississippi, contact the experienced personal injury attorneys at ‘Maggio|Thompson.
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