Schenectady Rideshare Accident Attorneys

Hurt in a rideshare accident in Schenectady and unsure of what to do next? Rideshare cases can get confusing fast, especially when multiple drivers or companies are involved. You may not know whose insurance applies or how to get your medical bills paid – but you don’t have to figure it out yourself.

A Lyft or Uber accident lawyer from Dalmata, Maloy & Burke, LLP can step in and take over the legal side of your case. We know how to deal with Uber, Lyft, and the insurance companies behind them. 

Contact us today for a free consultation. We’ll explain your legal options and help you fight for the full amount you deserve. 

Understanding Rideshare Accident Legal Services

Rideshare accident cases involve legal issues that don’t come up in typical car accident cases. Insurance coverage can vary considerably based on the driver’s status, and liability is rarely straightforward. That’s why it’s best to work with an Uber or Lyft accident lawyer who can review the facts, identify all possible sources of coverage, and push for full and fair compensation on your behalf. 

Ridesharing vs. Taxi Services in Personal Injury Claims

New York rideshare accident cases are subject to different insurance rules than those involving collisions with traditional taxi services. Rideshare companies like Uber and Lyft must follow specific insurance rules under New York law. The law sets minimum coverage levels based on what the driver was doing at the time of the crash:

• If the driver was not logged into the app – Only the driver’s personal insurance coverage applies.
• If the driver was logged into the app but not on a trip – State law requires at least $75,000 per person and $150,000 per accident in injury coverage, plus $25,000 in property damage coverage.
• If the driver was actively transporting or on their way to pick up a rider – The minimum is $1.25 million in liability coverage and $1.25 million in uninsured/underinsured motorist coverage. 

Taxi services follow a different system. In New York City, the Taxi and Limousine Commission (TLC) sets the insurance rules for yellow cabs and other licensed for-hire vehicles. These vehicles carry commercial insurance, which includes at least $100,000 per person and $300,000 per accident in bodily injury coverage. This coverage applies at all times, whether or not the driver has a passenger. 

Another key difference is how liability works. In a rideshare accident, the company may try to avoid direct responsibility by claiming the driver works as an independent contractor. That argument doesn’t apply in most taxi cases. Taxi companies usually own the vehicles themselves and have more control over the driver, which makes it easier to hold them responsible in some situations.

New York’s no-fault insurance rules still apply in both types of accident cases. People who suffer injuries in New York car accidents must first turn to no-fault coverage for losses like medical expenses and lost wages, regardless of fault. But for severe injuries, accident victims may have grounds to “step outside” of the no-fault system and seek compensation through third-party claims. In those cases, the differences in coverage can have a major impact on recovery.

Why Hire a Schenectady Rideshare Accident Attorney at Dalmata, Maloy & Burke, LLP?

New Yorkers turn to Dalmata, Maloy & Burke, LLP when they need fast, dependable help from a local legal team that knows how to get results. Here’s what one former client had to say about working with us:

“I recently was fighting a very sensitive and personal case against a major company. Matt and Tom at the Dalmata, Maloy & Burke, LLP were so sensitive and diligent with the case from the start. They were not only my attorneys but they became an emotional support team. Matt is a great attorney he treats people with respect and as a person, not just another case and client…” – Brandi M.

Our team knows how to take on rideshare companies and their insurers. Our Schenectady rideshare accident lawyers bring over 30 years of experience to every case we handle, and we’ve recovered millions of dollars for injured people across New York. We are available 24/7 and respond to your questions and concerns quickly. This level of urgency and care for our clients ensures they never feel like just a case number.

When you hire us, you’ll work directly with experienced and dedicated attorneys who know the law and fight hard for fair results. If a rideshare crash has disrupted your life, we’re here to help you move forward.

Compensation for a Rideshare Accident in Schenectady, NY

After a New York rideshare accident, no-fault insurance should help cover your medical bills and lost wages, no matter who caused the crash. However, if you suffered a serious injury, you may also have the right to file a personal injury claim against the at-fault parties. Your rideshare claim may provide compensation for 

• Current and future medical care
• Lost income
• Reduced earning capacity
• Pain and suffering 
• Emotional distress
• Lower quality of life

At DMB Legal, we know how to identify every available source of compensation and demand accountability to help you maximize your payout.

Frequently Asked Questions (FAQs) About Rideshare Accidents

Rideshare accidents often raise questions that don’t come up in other crash cases. Below are clear answers to some common questions we hear from people injured in Uber and Lyft wrecks in New York.

What Should I Do After a Rideshare Accident?

After a collision involving a rideshare vehicle, you should:

• Call 911 and seek medical attention right away, even if you feel okay. Make sure the police create an accident report. 
• Take photos, gather witness statements, and save all records related to the crash. 
• If you’re a passenger, report the crash to the company and screenshot your trip details before they disappear.
• Contact an experienced car accident attorney as soon as possible for legal guidance.

Who Is Liable in a Rideshare Accident?

Liability for a rideshare accident depends on who caused the crash. The Uber or Lyft driver, the rideshare company, another driver, or some third party may be at fault. In some cases, multiple parties could share responsibility. A rideshare accident attorney can help you sort out who’s liable based on the facts.

How Does Insurance Coverage Work for a Rideshare Accident in New York?

If the driver was on a confirmed trip, the rideshare company must ensure at least $1.25 million in coverage. If the driver was just logged into the app but not on a trip, less coverage is available. If they weren’t logged into the app at all, only their personal insurance coverage applies.

What If I Was Hit by a Rideshare Vehicle as a Pedestrian or Cyclist?

The same insurance rules should apply even if you weren’t in a car. The amount of coverage available depends on what the driver was doing when the accident occurred.

How Long Do I Have to File a Rideshare Accident Claim?

In most cases, you must file within three years of the date of the crash – though some claims may have shorter deadlines. Securing legal representation can help you act quickly and protect your rights.

Contact the Schenectady Rideshare Accidents Attorneys at Dalmata, Maloy & Burke, LLP Today

If you suffered injuries in a rideshare accident, don’t wait to get legal advice from a trusted rideshare accident law firm in New York. Contact Dalmata, Maloy & Burke, LLP now to get started with your free consultation.