In today’s world, rideshares like Uber and Lyft are common. And because of this, so are questions regarding their drivers’ legal liability for victims’ damages when they’re involved in car accidents. In Massachusetts and the other 11 states with no-fault auto insurance laws in place, victims injured in collisions with Uber drivers typically have their damages covered by their own personal injury protection (PIP) coverage. But when a victim doesn’t have PIP coverage or the victim’s damages render her eligible to file a personal injury claim under Massachusetts law, she may pursue compensation through a claim against the negligent driver or, under certain circumstances, against the rideshare platform. 

If you’re struck by an Uber driver in Massachusetts and you suffer an injury, here’s what you need to know: 

PIP Coverage Applies 

If you’re a registered car owner in Massachusetts, personal injury protection (PIP) coverage is a required part of your auto insurance policy. PIP covers up to $8,000 of your medical bills, up to 75 percent of your lost wages and the cost of hiring help to cover the domestic tasks you can’t do for yourself when you’re recovering from an injury. 

Your PIP coverage applies when you’re driving your own car, when you’re a passenger in another car and when you’re a bicyclist or a pedestrian. So if you’ve got automobile insurance, you can file a PIP claim to have your injury-related expenses covered even if you weren’t driving when the accident occurred. 

If you don’t have auto insurance because you don’t have a car, you can still recover compensation for your expenses after being injured in a crash with an Uber driver. But to do this, you have to file a personal injury claim with the driver and/or with Uber, which will require you to prove that your accident resulted from the driver’s negligence. 

You Can File a Claim with Uber

Uber requires its drivers to carry their own automobile insurance. If your injuries surpass Massachusetts’ threshold for filing a personal injury claim after a collision (permanent disfigurement, hearing or vision damage, broken bones or more than $2,000 in medical expenses) you may file a claim with the driver’s personal auto insurance policy. 

Additionally, Uber provides bodily injury coverage for accidents that occur when their drivers are actively using the app. When drivers simply have the app open, waiting for passengers, they are insured for up to $100,000 in bodily injury damages per accident and $50,000 per person, per accident. When an Uber driver is en route to a passenger or has a passenger in the car, this coverage goes up to $1 million. 

A Boston Uber Accident Lawyer can Help You Pursue the Money you Deserve

Rideshares like Uber and Lyft are changing how we get around – and how we handle car accident claims when a victim is injured. If you’re facing high medical bills, lost wages and other damages after being injured in an Uber accident, contact our team at Lovenberg & Associates, P.C. today to schedule your free legal consultation and learn more about your rights and options for pursuing compensation.