Taxis are a thing of the past. Or at least that is what companies like Uber and Lyft hope will soon be the case. Uber and Lyft are companies that have created similar applications that allow passengers to get picked up and delivered to their destination by non-employee, independent contractors who are then paid a percentage of the fare by the company. From a passenger’s perspective, the apps operate much like a traditional taxi service in that passengers will hail a ride through the app, a driver arrives to pick the passenger up, and then the driver delivers the passenger to their destination.
There are no special qualifications that are required to drive for these companies, other than being over 21 years of age, maintaining car insurance on the vehicle, and having a clean driving record. With the popularity of Uber, Lyft, and other rideshare apps increasing over the past few years, as well as the potential for inexperienced motorists acting as taxi drivers, it is natural that we are seeing an increase in Maryland car accidents involving Uber and Lyft drivers.
Rideshare companies are known for having a hefty insurance policy that protects passengers and drivers in the event of an accident. However, not all accidents involving an Uber or Lyft driver will be covered. It is easiest to understand the available coverage by breaking down each stage in a ride.