With Uber and other ride-sharing services now transporting passengers on Nevada roads, complications are arising with insurance coverage and assignment of liability. It is not unusual for insurance companies to fight claims in any circumstance, but assigning liability in crashes involving Uber drivers has been particularly challenging.
Ride-Sharing in Nevada
As the world becomes increasingly reliant on technology, new services like ride-sharing and driverless cars are causing liability complications. Uber and other ride-sharing services like Lyft have only been operating in Nevada since 2015. In May of that year, legislation was approved that officially allows companies like these to operate. Since they are generally cheaper and more convenient than taxis, ride-sharing services have soared in popularity. Uber drivers are considered independent contractors and are not required to carry commercial carrier insurance. Uber does provide a substantial insurance policy for drivers, but there are some limitations.
Accidents Involving Uber Drivers
Though Uber does provide insurance for drivers, it only covers the period of time when a passenger is in transport. This coverage is not active when a driver is on the way to pick up a passenger or returning from such a trip. Accidents that occur in this in-between period may be more difficult to settle. If an Uber driver caused the crash, there will be several factors to consider.
Many Uber drivers seek out their own insurance for uncovered time gaps. Unfortunately, many insurance companies are wary of offering this type of coverage and some drivers are lying to insurers about their status as a ride-share driver in order to obtain the coverage they are after. If an insurance company discovers that a ride-share driver has not disclosed this, they are likely to immediately drop their coverage. Though being dishonest about the use of a vehicle is considered insurance fraud, it is a common practice which can lead to highly complex legal battles if an Uber drivers does end up in an accident.
The Legal Ramifications of Car Accidents
Vehicle crashes can have devastating financial and medical consequences. A car accident lawyer can provide information and counsel after an accident that involves an Uber driver. In some cases, victims may receive compensation that helps relieve the burden of their medical costs, lost wages and pain and suffering. Insurance companies will often settle claims, but complex cases, that involve a car accident lawyer, may end up going to trial.