Pennsylvania’s Insurance System vs. Rideshare Insurance Coverage
Under Pennsylvania law, drivers have an option of choosing whether they purchase an at-fault insurance policy or a no-fault insurance policy. Under this system, the basic end result is that the at-fault driver’s insurance policy ends up paying out in all cases, but if the driver selected a “no-fault” insurance policy, he or she can also make a claim for personal injury coverage with his or her own insurance company. This system is important, because it may come into play in some situations involving rideshare drivers, where the insurance scheme in Pennsylvania is modified. If a rideshare vehicle is involved, the following insurance rules will now apply:
- Transporting a passenger. If the rideshare driver is transporting a passenger, the $1 million insurance policy that they are required to maintain applies.
- Looking for a passenger. If the rideshare driver has his or her ridesharing app turned on, so is actively looking for a passenger, but not transporting a passenger, a contingent insurance policy will be available. This policy provides up to $50,000 in personal injury protection for each person, and up to $100,000 in personal injury protection per accident (regardless of who is at fault for the accident).
- App is turned off. If the rideshare driver has the ridesharing app turned off, so is not looking for a passenger, his or her personal insurance policy will apply in the same way as in any other car accident. This means if the driver has satisfied Pennsylvania’s minimum insurance requirements, $15,000 in PIP coverage per person and $30,000 per accident will be available, as well as $5,000 for property damage.
Our Personal Injury Lawyers Fight to Maximize Clients’ Compensation Awards After Rideshare Accidents in PA
At Purchase, George & Murphey, P.C., our seasoned car accident lawyers will advocate for your right to a fair and just compensation award when a rideshare driver was involved in your accident. Rideshare accidents, like other car accidents, can take on a variety of forms, including accidents where:
- The rideshare driver gets in a car accident (whether or not at fault) where you were a passenger in the vehicle,
- An rideshare vehicle causes an accident with your own private vehicle while you were driving,
- A rideshare driver hits you while you were walking as a pedestrian, or on a bicycle.
Regardless of how the ridesharing service was involved, you have the right to recover compensation based upon the new insurance rules, and our lawyers can help you understand your new rights and take on the burden of negotiating with the insurance company on your behalf.
Contact an Aggressive Erie, PA Personal Injury Attorney to Discuss Your Rideshare Accident Case Today
Call our offices or fill out this online form, to schedule a free consultation with our lawyers today. We pride ourselves on keeping current when it comes to legislative developments that impact our clients, and are well-versed in the strategies that can now be used to recover compensation in rideshare accident cases throughout Pennsylvania. For your convenience, we have three office locations located at 2525 W.26th St., Erie, PA 16506, 310 Chestnut St., Suite 111, Meadville, PA 16335 (in the Masonic Building) and 68 East Main Street, North East, PA 16428.
Contact Our Trusted Rideshare Accident Lawyers in Erie, PA Today for a Free Initial Case Review
It is common for rideshare accident victims to feel as though they must challenge these large companies themselves to get fair compensation. At Purchase, George & Murphey, P.C., our experienced injury lawyers are here to help. We face off against large corporations and insurance companies on a daily basis—and have been successfully doing this for decades.
For more information on how we can help, call our office or contact us online today.
Frequently Asked Questions About Rideshare Accident Claims in Erie, PA
Ridesharing services provide Pennsylvania residents with a valuable transportation option. Rideshare drivers use private vehicles to offer rides to the general public. This means that the causes and consequences of rideshare accidents are similar to any other accident.
At Purchase, George & Murphey, P.C., our experienced lawyers are here to provide clients with insight into how rideshare accidents are often different from other motor vehicle accidents. Below are some answers to the most frequently asked questions of rideshare accident victims in Erie, PA.