In New York, rideshare drivers are required to have insurance coverage. But what happens if your driver is uninsured or lacks adequate coverage during an accident? Can you still file a lawsuit? Let’s break down your options.
Understanding rideshare insurance in New York
Rideshare companies must provide certain insurance coverage for passengers and others on the road. This coverage depends on whether the driver is actively using the app. When a driver is logged into the app but hasn’t picked up a passenger, the insurance coverage is more limited. If the driver is uninsured at this time, it can complicate the situation.
Your options for filing a lawsuit
If your driver is uninsured, you may still have options. In many cases, your own insurance can cover damages. If you don’t have car insurance or your coverage is insufficient, you might be able to pursue the rideshare company for additional compensation through their insurance policy.
Another option is to file a personal injury lawsuit against the driver directly. However, if the driver is uninsured, they may lack the financial resources to pay for your damages. This is why understanding the insurance laws in New York is key.
The role of your personal auto insurance
New York law requires drivers to carry personal injury protection (PIP) insurance. This covers medical expenses and lost wages after an accident, regardless of fault. If your driver is uninsured, your PIP insurance may help cover some costs, but it won’t pay for property damage or pain and suffering.
Additional avenues for compensation
If you can’t recover damages from the uninsured driver or your own insurance, you may be able to file a claim through the rideshare company’s insurance, depending on the accident’s details. Coverage varies depending on whether the driver was actively transporting passengers or just logged into the app.
Understanding the insurance options available to you can help clarify your next steps after a rideshare accident.