Ridesharing services, such as Uber and Lyft, have revolutionized how people travel. These services offer an affordable and convenient mode of transportation to individuals, but they also come with some potential risks. One of the biggest concerns for rideshare drivers and passengers is liability. In Arizona, there are specific laws and regulations regarding liability for rideshare drivers that you need to be aware of if you’re planning to drive for Uber or Lyft.
Liability Insurance Requirements for Rideshare Drivers
The state of Arizona requires all rideshare drivers to carry liability insurance coverage that meets or exceeds the minimum requirements for bodily injury and property damage liability coverage. Rideshare drivers are also required to carry uninsured and underinsured motorist coverage offered by liability insurance companies. This coverage is intended to protect passengers and other drivers in the event of an accident caused by an uninsured or underinsured driver.
- $25,000 per person for bodily injury
- $50,000 for bodily injury for two or more people
- $15,000 per accident for property damage
What Do The Ridesharing Companies Offer?
Uber and Lyft also offer liability insurance coverage for their drivers. This coverage is intended to provide additional protection to drivers and passengers in the event of an accident. The coverage provided by Uber and Lyft depends on whether the driver is en route to pick up a passenger or already transporting a passenger.
If a driver is waiting for a ride request or is off-duty, the liability coverage provided by Uber and Lyft is limited to the following:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 per accident for property damage.
If a driver is en route to pick up a passenger or is transporting a passenger, the liability coverage provided by Uber and Lyft is higher.
Liability for Accidents Involving Rideshare Drivers
In Arizona, liability for accidents involving rideshare drivers depends on several factors. If a rideshare driver causes an accident while waiting for a ride request or is off-duty, the driver’s personal liability insurance might be responsible for covering the damages. However, if the driver is en route to pick up a passenger or transporting a passenger, Uber and Lyft’s liability insurance will likely cover the damages. However, drivers are considered independent contractors and must contact a liability insurance company to cover it in case the accident is their fault.
Need To Know More?
Want to know more about rideshare liability? Reach out to professionals. The Bourassa Law Group has helped many people with their personal injury cases. Their personal injury lawyers have years of experience and have negotiated settlements fair to their clients. The firm has several personal injury lawyers, including dog bite accident lawyers, car accident lawyers, motorbike accident lawyers, and more.
Contact them today for more information on what to do about your case.
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