What Happens If I Am Injured in a Lyft Accident in New York?

If you’ve been injured in a Lyft accident in New York, you may be entitled to compensation for your injuries and losses, even if you’re a passenger. The process involves multiple insurance policies and potentially challenging legal issues. 

However, thanks to how insurance works in New York, the odds are good that anyone injured in a Lyft accident can get their damages covered. Here’s what you need to know from our Lyft accident lawyers in New York.

New York’s No-Fault Insurance System

New York operates under a no–fault insurance system. Regardless of who caused the accident, your own insurance company is primarily responsible for covering your medical expenses and lost wages up to certain limits.

Under New York law, all drivers must carry Personal Injury Protection (PIP) coverage of at least $50,000. This coverage extends to passengers in rideshare vehicles like Lyft. Your PIP coverage will be your first source of compensation for medical bills and lost wages after a Lyft accident.

However, the no-fault system has limitations. It doesn’t cover non-economic damages like pain and suffering. Also, some PIP plans do not cover rideshare accidents, which can put passengers at risk. Fortunately, Lyft can step in and cover the costs in some cases.

Lyft’s Insurance Coverage in New York

Lyft provides insurance coverage for its drivers and passengers, but the level of coverage depends on the driver’s status at the time of the accident. Understanding these stages is crucial for determining your compensation options.

When the Lyft app is off, the driver’s personal auto insurance applies. If the app is on and the driver is waiting for a ride request, Lyft provides limited liability coverage. During an active ride, from pickup to drop-off, Lyft’s $1 million liability policy is in effect.

This tiered system can complicate claims, as determining which insurance policy applies requires thoroughly investigating the accident circumstances. Working with an experienced rideshare accident lawyer in New York can help.

The “Serious Injury” Threshold

New York’s no-fault system limits your ability to sue an at-fault driver for non-economic damages unless you meet the “serious injury” threshold. 

This threshold includes injuries such as significant disfigurement, bone fractures, permanent limitation of use of a body organ or member, or an injury that prevents you from performing your usual activities.

If your injuries meet this threshold, you may be able to pursue a lawsuit against the at-fault party for additional compensation, including pain and suffering. An experienced attorney can help you determine if your injuries qualify and guide you through the process of starting a lawsuit.

Potential Compensation in a New York Lyft Accident Case

The compensation you may receive after being injured in a Lyft accident in New York depends on various factors, including the severity of your injuries and the insurance policies involved. Potential damages may include:

• Medical expenses beyond PIP coverage
• Lost wages and loss of earning capacity
• Pain and suffering (if you meet the serious injury threshold)
• Rehabilitation costs
• Property damage

New York follows a pure comparative negligence rule. This means your compensation may be reduced by your percentage of fault in the accident, if any. However, you can still recover damages even if you are mostly at fault.

Steps to Take After a Lyft Accident in New York

If you’re involved in a Lyft accident in New York, taking the right steps immediately after the incident can significantly impact your ability to recover compensation. First, ensure your safety and seek medical attention, even if you feel fine. Some injuries may not be immediately apparent.

Report the accident to the police and Lyft. Gather as much information as possible, including the driver’s details, witness contacts, and accident scene photos. Keep all medical records and receipts related to your injuries.

Once you’re home, avoid discussing fault or giving recorded statements to insurance companies without legal advice. Insurance adjusters may use your words to minimize your claim. Instead, consult with a New York personal injury lawyer who can protect your rights and guide you through the process.

How a New York Rideshare Accident Attorney Can Help

An experienced rideshare accident attorney from Morelli Law can provide invaluable assistance by:

• Investigating the accident thoroughly
• Determining all potential sources of compensation
• Handling communications with insurance companies
• Ensuring you meet all legal deadlines
• Negotiating for a fair settlement
• Representing you in court if necessary

At Morelli Law Firm, we have a proven track record of successfully handling rideshare accident cases in New York. We understand the nuances of New York’s no-fault system and how it applies to Lyft accidents.

Protect Your Rights After a New York Lyft Accident

Being injured in a Lyft accident can be a stressful and confusing experience. Understanding your rights and the complexities of New York’s insurance laws is crucial for securing the compensation you deserve.

If you’ve been injured in a Lyft accident in New York, don’t wait to seek legal help. Contact Morelli Law Firm today for a free consultation.

Let us put our experience and resources to work for you so you can focus on your recovery while we handle the insurance complications.