Being involved in a car accident is scary and, when there are no injuries, annoying. However, when a car accident occurs with a rideshare driver, who is at fault?
Of course, fault in a rideshare accident is determined the same way as in any other car accident. Though, the difference is who will pay because there are several parties involved: the rideshare application, driver, rider, other vehicles, etc. Even if the driver is at fault, he is likely not the person who will pay.
Accidents when there is a rider
For car accidents that occur when there is an active ride (i.e., there is a rider using the driver’s services), the rideshare applications themselves provide commercial liability insurance. These companies will automatically cover the riders, though, an attorney may be required to get full coverage of one’s damages. They will also cover anyone else that is a victim, if the rideshare driver was at fault.
What about when the driver is waiting for a ride or picking a rider up?
This is where it can get complicated for Greenville, Mississippi, residents. This is because, often, the rideshare company’s commercial liability insurance does not cover these “in-between” times. That liability would fall to the rider’s own personal policy. Though, that policy may also claim it is not responsible, if they find the driver was utilizing their personal vehicle for professional services, and the driver did not attach a required commercial rider. Not all insurance companies offer these types of riders, and some will attempt to invalidate the driver’s insurance as a result.
Who to sue?
Frankly, for Mississippians, the answer is sometimes, everyone, the driver, the rideshare application itself, both insurance carries and maybe, even the passenger, should it be alleged that the passenger contributed to the car accident. This is why many rideshare car accident victims choose to hire an attorney because liability can quickly become complicated.