Toronto Uber/Lyft Accident Lawyer
Uber and Lyft have become a common way to get around Toronto, and for good reason — they're affordable, convenient, and, in most cases, safe. However, Uber/Lyft accidents do occur, and if you've recently sustained an injury in one, it is critical that you retain the services of an experienced Toronto Uber/Lyft accident lawyer who can help fight for the compensation you require to heal. Contact Merricks Law Group to learn more about how our firm can assist you.
Why Hire a Toronto Uber/Lyft Accident Lawyer?
Rideshare accidents involve more complex insurance questions than a typical car accident, since coverage depends on exactly what stage of the trip the driver was in at the time of the crash. If you've been injured in an Uber/Lyft accident, you need a Toronto personal injury lawyer who has experience navigating these layered coverage rules.
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Causes of Uber/Lyft Accidents
Uber and Lyft accidents are not particularly different from other motor vehicle accidents, in that they are usually the result of driver negligence. These accidents can either be the fault of the Uber/Lyft driver, or the fault of another driver. Regardless of who is at fault, the most common causes of Uber and Lyft accidents are as follows:
- Driving at excessive speeds
- Unsafe lane changes
- Driving while under the influence of drugs or alcohol
- Distracted driving
- Failing to observe traffic lights and signs
- Driving while drowsy
Uber/Lyft's Insurance Coverage in Ontario
In Ontario, how much insurance protection you have depends entirely on what the driver was doing on the app at the moment of the accident. Coverage is split into three simple phases:
Driver Not Working (App Off): If the driver isn't logged into the Uber or Lyft app at all, they're just driving as a regular person. Their own personal car insurance applies, the same as it would for anyone else on the road, assuming they've told their insurer they drive for a rideshare app.
Waiting for a Ride Request (App On): Once a driver logs in and is waiting for a fare, but hasn't accepted one yet, Uber or Lyft's business insurance kicks in. This provides up to $1,000,000 to cover injuries or damage to others, plus basic accident benefits (medical and income support) for the driver.
Picking Up or Driving a Passenger (Trip Underway): From the moment a driver accepts a ride until the passenger is dropped off, coverage jumps significantly, up to $2,000,000 to cover injuries or damage to others, along with accident benefits and, often, coverage for damage to the vehicle itself.
The bottom line: the later in the process the accident happens, the more coverage is available, which is exactly why it matters to pin down precisely what stage the driver was in when the crash occurred.
Limitation Period in Ontario
The limitation period for Uber/Lyft accident claims in Ontario does not differ from most other personal injury claims. In most cases, you’ll have two years from the date of your Uber/Lyft accident to take legal action. Do not wait longer than two years to seek compensation, for if you do, you will most likely lose your right to sue.
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Contact Our Toronto Uber/Lyft Accident Lawyer
If you've been injured in an Uber/Lyft accident, the time to act is now. Contact the experienced Toronto Uber/Lyft accident lawyers at Merricks Law Group to schedule your initial consultation with our firm. We are ready to help
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