Injured Passengers Working to Navigate Insurance Aspects of Ridesharing Cases
SOUTH CAROLINA – An online article published by postandcourier.com discusses the insurance aspects of ridesharing company lawsuits that injured passengers are having to work around. The article sheds light on a few pending lawsuits in the state of South Carolina and what insurance policies might apply to their cases.*
In Charleston County, South Carolina, several lawsuits are pending against the ridesharing company Uber. These lawsuits allege that people driving for Uber hit pedestrians, left passengers stranded on the road, and caused traffic accidents that killed passengers of other motorists. Uber has made announcements that the company plans to become publicly traded, and lawsuits against it might affect its Wall Street opening.
While lawsuits against Uber and other ridesharing companies seem like typical vehicle accident cases, they can be more complex. The laws and insurance policies at play in the cases are not those seen in a standard auto accident claim. Usually, the cases turn on whether the driver involved was working for Uber at the time of the incident in question.
The majority of times when Uber's insurance should provide coverage in a particular accident are when drivers are using their Uber apps and have passengers in their vehicles. Uber’s insurance will cover any accidents caused by the drivers in these scenarios. When drivers’ apps are not engaged, they are not covered by Uber’s insurance. Instead, they are using their own auto insurance at that time. If drivers have the app engaged but do not have passengers in their vehicles, they are covered under company liability insurance only if their own insurance carriers do not cover liability accidents.
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