Who Can I Sue For Injuries In A Michigan Rideshare Accident?
Rideshare services such as Uber and Lyft have become a common way for people to get around in Michigan. While these services offer convenience, accidents involving rideshare vehicles can leave passengers, drivers, and others with serious injuries. When a rideshare accident occurs, determining who is financially responsible can be complicated. Multiple parties may be liable, and insurance coverage can vary depending on the details of the crash. As attorneys representing injury victims throughout Michigan, we work to ensure that those injured in rideshare accidents understand their rights and recover the compensation they deserve under Michigan law.
Understanding Michigan’s No-Fault Insurance Laws
Michigan operates under a no-fault insurance system, which means that after an accident, injured individuals typically file claims through their own Personal Injury Protection (PIP) insurance, regardless of who caused the crash. Under MCL 500.3101, every registered vehicle owner in Michigan must carry no-fault insurance, which covers medical expenses, lost wages, and other benefits.
Rideshare accidents, however, present unique challenges because they involve drivers operating for commercial purposes. In many cases, standard PIP coverage may not be enough, requiring injury victims to pursue additional claims against other responsible parties.
Potentially Liable Parties In A Rideshare Accident
The Rideshare Driver
If the rideshare driver was at fault for the accident, their insurance coverage plays a crucial role. Michigan law requires rideshare drivers to carry additional insurance coverage beyond their personal policies. Under MCL 257.2123, Uber, Lyft, and other rideshare companies must provide insurance coverage when a driver is logged into the app or transporting a passenger.
- If The Driver Was Not Logged Into The Rideshare App – The driver’s personal auto insurance applies, and the injured party may need to file a claim against that policy.
- If The Driver Was Logged In But Had No Passenger – The rideshare company’s limited liability coverage applies, typically up to $50,000 per person and $100,000 per accident for bodily injuries.
- If The Driver Had A Passenger Or Was En Route To Pick One Up – The rideshare company’s $1 million insurance policy applies, providing coverage for injuries and damages.
The Rideshare Company
Although Uber and Lyft classify their drivers as independent contractors, they still carry insurance policies to cover passengers and other injured individuals. These companies are required to provide $1 million in liability coverage when a passenger is in the vehicle. If a rideshare driver causes an accident while transporting a passenger, the company’s insurance should cover medical bills, lost wages, and other damages.
However, rideshare companies often try to avoid direct liability by arguing that their drivers are not employees. Proving that the company contributed to the accident, such as by failing to conduct proper background checks or allowing an unsafe driver to continue working, may require legal action.
Another Negligent Driver
If another driver caused the crash, the injured party may file a claim against that driver’s insurance. Under MCL 500.3135, Michigan law allows victims to file a lawsuit against an at-fault driver if their injuries meet the state’s threshold for serious impairment of body function or result in permanent disfigurement or death. In these cases, the injured party may seek compensation beyond PIP benefits, including pain and suffering damages.
Vehicle Manufacturers Or Maintenance Providers
Defective vehicle parts or poor maintenance can contribute to accidents. If a mechanical failure played a role in a rideshare crash, the manufacturer, repair shop, or maintenance provider may be held liable under MCL 600.2945, which governs product liability in Michigan. Establishing that a defect or improper maintenance caused the crash often requires an investigation and expert testimony.
When Can Injured Passengers Sue For Additional Compensation?
Under Michigan’s no-fault system, PIP benefits cover medical bills and lost wages, but they do not provide compensation for pain and suffering. To file a lawsuit against an at-fault party, the injured person must prove that their injuries meet Michigan’s serious injury threshold under MCL 500.3135. A successful claim may include damages for:
- Pain and suffering
- Emotional distress
- Permanent disability
- Loss of enjoyment of life
When a rideshare accident results in catastrophic injuries, seeking damages beyond no-fault insurance is often necessary to obtain full compensation.
Frequently Asked Questions About Rideshare Accidents In Michigan
What Should I Do Immediately After A Rideshare Accident?
First, seek medical attention, even if injuries seem minor. Some injuries take time to develop, and medical records will be critical if a claim is filed later. Report the accident to law enforcement and obtain a copy of the police report. Collect contact information for all involved parties, including drivers and witnesses. Document the scene by taking photos of the vehicles, road conditions, and visible injuries. If you were a passenger, report the accident to the rideshare company through their app. Finally, consult with an attorney to discuss legal options.
Can I Sue Uber Or Lyft Directly If I Am Injured In A Crash?
Uber and Lyft typically argue that they are not directly responsible for their drivers’ actions since drivers are classified as independent contractors. However, in some cases, the company may be held liable, such as if they failed to conduct proper background checks or ignored safety complaints about a driver. While their insurance policies provide coverage, suing the company itself requires evidence of direct negligence on their part.
What If The At-Fault Rideshare Driver Does Not Have Enough Insurance?
If the at-fault rideshare driver lacks sufficient insurance, injured parties may be able to file an underinsured motorist (UIM) claim through their own auto insurance policy. Many Michigan drivers carry UIM coverage, which helps cover expenses when the at-fault party’s insurance is inadequate. If the rideshare company’s insurance applies, it may provide up to $1 million in coverage, which is usually enough to cover significant damages.
Are Rideshare Companies Required To Provide Insurance For Their Drivers?
Yes, under MCL 257.2123, rideshare companies must provide liability insurance when a driver is logged into the app and actively engaged in rideshare services. The amount of coverage depends on whether the driver has a passenger or is waiting for a ride request. If the driver is off duty, their personal insurance applies.
Can I File A Lawsuit If A Loved One Was Killed In A Rideshare Accident?
Yes, surviving family members may pursue a wrongful death claim under MCL 600.2922. If a rideshare accident results in a fatality, the victim’s family may seek damages for medical expenses, funeral costs, lost future income, and loss of companionship. Wrongful death cases are complex, and it is essential to work with an attorney who understands Michigan’s wrongful death laws.
How Long Do I Have To File A Lawsuit After A Rideshare Accident In Michigan?
Under MCL 600.5805, the statute of limitations for personal injury claims in Michigan is three years from the date of the accident. Failing to file a claim within this time frame may result in losing the right to recover compensation. However, no-fault PIP claims must be filed within one year to receive benefits.
Contact Ravid & Associates, P.C. For A Free Rideshare Accident Consultation
If you were injured in a rideshare accident in Michigan, you deserve to understand your legal options. Determining liability in these cases can be complicated, and insurance companies often try to limit their payouts. At Ravid & Associates, P.C., we fight for injury victims to ensure they receive the compensation they deserve.
If you or a loved one suffered injuries in an Uber or Lyft accident, contact Ravid & Associates, P.C. today. Contact our Detroit car accident lawyer at Ravid & Associates, P.C. today by calling (248) 948-9696 to receive your free consultation. Our office is located in Southfield, Michigan, and we proudly represent clients throughout Detroit and the entire state of Michigan.
