Articles Tagged with ridesharing

Just a few short years ago, ride-share services did not exist. It was less than a decade ago that the name “Uber” entered common usage, and the ride-share service became common in cities nationwide within a couple years. In the last six or seven years, ride-share services have proliferated, with Uber joined by Lyft, Sidecar, and who knows how many other services, some of them national, some regional, some serving only a few areas. No matter which service you use – and one in five Americans have used a ride-share service – the experience is largely the same. You use an app on your smartphone to ask for a ride, the car arrives quickly and gives you a ride to your destination, generally for less – often much less – than a traditional taxi cab would cost. Plus you can give the driver a bad rating if the service is not fast and courteous, an option simply not available with a taxi. What’s not to like?

Ride-Share Vehicles Get in Accidents, Too

The problem, of course, is that ride-shares, like the services offered by Uber and Lyft in Marietta and the surrounding area, are vehicles just like any others on the road. They can and do get into accidents. Ride-share drivers do not have special training, and no one really knows whether ride-share drivers get into accidents more or less frequently than the average driver on the road. A few years ago, a Chicago newspaper tried to find out, and learned instead that no government entity keeps statistics on ride-share accidents, and no ride-share service makes its accident statistics public. It is fair to assume, though, that ride-share drivers get into accidents at the same rate as pretty much every other driver on the road. So who pays if you get injured in a traffic accident while riding in an Uber, Lyft, or other rides-share service vehicle?

Ridesharing has become a popular way for many residents of the Atlanta metropolitan area to earn additional income via smartphone apps like Uber and Lyft. Before you sign up to offer rides for money, you should check with your car insurance company. Many standard insurance policies exclude coverage for “public or livery conveyance.” In fact, your existing policy may be canceled if you start offering rides for money without notifying your carrier. If you are in an accident while driving for Uber or Lyft, you may be on the hook for any damages.

Haulers Insurance Co. v. Davenport

What if you are just giving a friend a ride for no payment? Could your insurer declare that you were actually providing a livery service and refuse to cover your accident? According to a recent decision by the Georgia Court of Appeals, the answer is probably no.

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