Rideshare services have become a popular way to travel throughout Connecticut. Many people rely on companies like Uber and Lyft for convenient transportation.

Although rideshare services can be helpful and efficient, accidents involving rideshare vehicles do occur. When they do, determining who is responsible can be more complicated than a typical car accident.

Why Rideshare Accidents Are Different

Unlike traditional taxi companies, rideshare drivers are typically considered independent contractors rather than employees. Because of this structure, several different insurance policies may apply depending on what the driver was doing at the time of the accident.

Rideshare Insurance Coverage

Insurance coverage for rideshare accidents usually depends on the driver's status in the app:

Driver not using the app

The driver's personal auto insurance generally applies.

Driver logged into the app but waiting for a ride request Limited rideshare company coverage may apply.

Driver transporting a passenger or on the way to pick one up The rideshare company typically provides a higher level of liability coverage.

Understanding which coverage applies can be a key issue in a rideshare accident claim.

Common Causes of Rideshare Accidents

Rideshare accidents can occur for many of the same reasons as other car accidents, including:

• Distracted driving

• Speeding or aggressive driving

• Fatigue from long driving hours

• Frequent stops or sudden turns

• Drivers focusing on navigation or ride requests

Because rideshare drivers often rely on their smartphones for navigation and ride notifications, distraction can be a contributing factor.

Who May Be Responsible

Depending on the circumstances, several parties may potentially be liable for a rideshare accident:

• The rideshare driver

• Another negligent driver

• The rideshare company's insurance policy • A vehicle manufacturer if a mechanical defect contributed to the crash

Determining liability often requires a careful review of the evidence.

Evidence That May Be Important

Evidence in rideshare accident cases may include:

• App activity records

• Driver trip logs

• GPS data

• vehicle damage documentation

• police reports and witness statements

These records can help establish exactly what occurred before the crash.

Compensation After a Rideshare Accident

Victims of rideshare accidents may be entitled to compensation for:

• Medical expenses

• Lost income

• Rehabilitation costs

• Pain and suffering

The availability of rideshare insurance coverage can sometimes provide additional avenues for compensation.

Final Thoughts

Rideshare accidents can raise complex insurance and liability issues. If you are injured in a collision involving a rideshare vehicle, understanding your legal rights can help you pursue the compensation you deserve.