Uber, Lyft are driving accident fatalities

In large cities, ride-hailing services provide an affordable alternative to taxi cabs, without the hassle of mass public transportation systems. Uber is the king of ride-hailing services, with Lyft a slightly distant second across the nation. Since their sudden rise starting in 2011, a new study suggests they have increased traffic fatalities in large cities by up to 3 percent. That adds up to about 1,100 additional roadway deaths each year, mostly on congested city streets.

There are two ways the general public will be involved in an accident with Uber, Lyft or other ride-hailing services drivers. The first and most likely is as the driver or passenger of another vehicle. That provides some measure of insurance protection for financial losses due to the liability limits on either vehicle. If costs exceed insurance coverage limits, though, accident victims could wind up filing for bankruptcy.

The second way someone might be in an accident involving a driver for Uber, Lyft or other ride-hailing service as a passenger. Such accidents get more complicated due to the nature of car insurance coverage. Most Uber and other ride-hailing drivers use their own cars with their own insurance policies.

Personal car insurance, though, does not cover commercial activities. Instead, the driver must have a commercial car insurance plan in place to provide coverage for injuries and property damage. The additional complications of insurance coverage for ride-hailing service providers makes it important to have an experienced Uber accident attorney to protect accident victims. The personal injury attorneys at Joyce & Reyes can help.