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Fenstersheib Law Group, P.A.
520 W Hallandale Beach Blvd
Hallandale Beach
Florida 33009
800-835-5762
954-456-2488
Most rideshare companies claim that they have high limit insurance policies of $1 million in place in order to ensure the protection of their passengers. The policies include liability and uninsured motorist coverage. This means if you are in a ride sharing vehicle under the services of a car service company and your driver causes a crash, you and all other injured individuals have up to $1 million to cover your damages. This $1 million policy would be split between all affected parties. By the same token, if an uninsured or underinsured driver crashes into your Uber or Lyft vehicle, you and the other injured parties would still be covered up to $1 million combined from the respective rideshare company. However, it is important to remember that an accident can occur where all the combined damages will exceed the $1 million that is covered by the car service company.
In the case that the combined claims require a rideshare company such as Uber or Lyft to pay more than $1 million that they currently promised to pay, these rideshare companies may very well argue that under the agency law, their drivers are simply independent contractors of the company and not employees, which may deem the rideshare company to not be responsible for excess damages caused by the accident. A good attorney would argue that the Rideshare company should be held legally responsible for the negligence of their drivers under an array of legal theories. It should first be argued that the Rideshare driver is in fact acting as an employee of the company's and not just as an independent agent. Rideshare companies have been known to hire drivers with less than perfect driving records, which may be relevant if the company acted negligently in hiring these drivers.
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