Taxi Uber Lyft Car Accidents

New York law requires cab drivers to carry special commercial insurance policies with at least $200,000 in personal injury protection (PIP) coverage. They must also carry a minimum of $100,000 per person and $300,000 per accident in liability coverage.

When an accident occurs, injuries sustained by the cab driver and passengers typically fall under the PIP coverage — regardless of who was at fault. However, multiple injuries, even moderate ones, can quickly surpass this coverage limit.

If your injury exceeds the limits of the driver’s PIP, you may be able to file a claim under the driver’s liability insurance. Likewise, if you’re driving your own car and are hit by a cab, your personal no-fault insurance will usually cover medical bills and up to 80% of lost wages.

If your injuries qualify as “serious,” you may step outside of New York’s no-fault system and file suits against the at-fault party.

Under New York law, serious injuries include:

• Miscarriage.
• Fracture.
• Dismemberment.
• Significant disfigurement.
• Death.
• Permanent loss or limitation of a body organ or member.
• An impairment that limits a victim from performing daily activities for at least 90 of the first 180 days following the auto accident.

Proving a serious injury can be difficult. The attorneys at The Rybak Law Firm, PLLC, have the experience and resources to guide you through this process.