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You called an Uber or Lyft to travel safely. But instead of arriving at your destination, you were jolted by a sudden crash. The driver’s app is still running, the car is wrecked, and now you’re in pain with no idea who’s responsible or how your medical bills will be paid.
Rideshare accidents in New York City raise complicated legal questions. Who’s at fault? Is Uber or Lyft liable? What insurance covers you as a passenger? Hofmann & Schweitzer helps injured riders make sense of this confusing process and recover the compensation they deserve.
If you’re overwhelmed and hurting, you’re not alone. This guide will walk you through what to expect and how to protect your rights.
Why Do NYC Rideshare Accidents Happen?
Like many motor vehicle accidents, the answer is complicated and may involve a variety of factors.
For example, many Uber and Lyft drivers work long hours, juggle multiple apps, and rely heavily on navigation tools. That creates dangerous conditions, including:
- Distracted driving. GPS use, passenger chats, and app alerts compete for drivers' attention.
- Fatigue. Many drivers push past safe limits to meet earnings goals.
- Inexperienced drivers. Not all rideshare drivers are familiar with NYC traffic patterns or pedestrian-heavy areas.
And when a crash happens, passengers often don’t know who’s legally responsible.
Who Pays After a Rideshare Accident in NYC?
Filing an injury claim after a rideshare crash isn’t like a regular car accident. It’s often more complicated.
The key is understanding what phase of the ride the driver was in when the crash occurred.
Insurance Coverage Based on Ride Phase
- App off. The driver’s personal insurance applies.
- App on, no passenger assigned. Uber or Lyft may provide some limited liability coverage, and the driver’s insurance may also.
- Passenger assigned or on trip. These companies do have some commercial liability coverage that may apply, but an investigation must be made.
If you were a passenger during a crash, you need to contact an experienced personal injury firm like Hofmann & Schweitzer, because getting compensation isn’t automatic.
There is one other very important thing to consider. As part of your consumer agreement with Lyft or Uber, you likely are waiving important rights to sue Uber or Lyft in court, and will be required to go to arbitration, where you won’t have a judge or jury. The law about the enforcement of these contract provisions is evolving, so you need to speak to professional counsel about your rights.
What if Another Driver Was at Fault?
In multi-vehicle rideshare accidents, determining liability can be tricky. Even if another car caused the crash, Uber or Lyft’s insurance may still apply to cover your injuries.
An experienced Uber accident lawyer in New York City can:
- Investigate the whole chain of events
- Identify all available insurance policies
- Negotiate with multiple insurers
- Fight to hold both the rideshare company and any at-fault drivers accountable
That way, you may recover the compensation you deserve.
What Should I Do After a NYC Rideshare Accident?
Protect your health and your legal rights by taking the following actions immediately after the crash:
- Seek medical attention. Even if injuries seem minor, documentation is critical.
- Report the accident. This creates an official record.
- Get the driver’s and vehicle details. Take photos if possible.
- Ask for witness contact info. Bystanders can support your claim.
- Avoid giving recorded statements to insurers. They may use your words against you.
Also, remember to contact an Uber accident attorney early. Time limits apply, and delays can hurt your case.
What Compensation Can Injured Rideshare Passengers Recover?
Injured Uber or Lyft passengers may be entitled to compensation for:
- Medical bills. All related healthcare costs, such as hospital stays, rehab, medications, and follow-up care, may be included.
- Lost income. If you missed work due to your injuries, you may be able to recover compensation for lost wages and benefits. Additionally, you may be able to recover for lost earning capacity.
- Pain and suffering. Emotional and physical trauma may be a significant part of your recovery.
Each case is unique. The best way to understand your options is to speak with a qualified rideshare accident lawyer in NYC.
Do I Need Legal Help After an Uber or Lyft Accident?
Rideshare companies are backed by major insurers and legal teams trained to minimize payouts. Injured passengers may walk away with far less than they deserve without strong legal representation.
At Hofmann & Schweitzer, we’ve spent decades helping New Yorkers recover after serious accidents. Our accident attorneys understand the unique legal landscape surrounding Uber and Lyft injury claims in NYC. We will thoroughly review your claim, advise you of your rights, and, if appropriate, fight for your fair recovery.
Don’t Let the App Decide Your Future
Rideshare apps make travel easy, but nothing is simple when you're injured. If you were hurt in an Uber or Lyft accident in New York, don’t wait. Speak to a rideshare accident lawyer who knows how to hold these companies accountable and help you recover.
