Under New Hampshire law, licensed drivers are not required to insure their vehicles. While any driver can be held responsible for any injuries or property damage caused by their negligent driving, if a driver does not have insurance, it may be difficult to recover compensation for the actual harm caused. Drivers who work for Lyft, however, are covered under the Lyft insurance policy, regardless of whether they have personal insurance. If a car accident with a Lyft driver caused you to sustain injuries or damage to your car, you should meet with a seasoned New Hampshire Lyft accident lawyer to help you in your pursuit of compensation. The attorneys of Peter Thompson and Associates have more than 60 years’ experience helping injured New Hampshire residents seek damages from the individuals and companies responsible for their harm. Our attorneys are adept at handling car accident cases and will aggressively advocate on your behalf to help you pursue any compensation that you may be owed.Lyft’s Policies Regarding Insurance
Lyft’s insurance policy varies the coverage provided based on the Lyft driver’s activities at the time of the accident. If a driver is not logged into the Lyft application, no coverage is provided under Lyft’s policy. After a driver logs into the app but before the driver accepts a ride, Lyft provides contingent liability coverage. This policy provides coverage of up to $25,000 for property damage and $50,000 for bodily injury per person, with a maximum limit of $100,000 per accident, for any accident during this time period. After a Lyft driver has accepted a ride request through the application, Lyft’s insurance policy provides primary liability coverage in the amount of $1,000,000 for any damages caused in an accident that occurs during the trip. The primary liability coverage ends when the Lyft driver drops off his or her passenger, and the trip is over in the application.Lyft Insurance Should Compensate You for a Lyft Driver’s Negligence
If you were involved in an accident with a Lyft driver, regardless of which level of Lyft insurance applied at the time of the accident, you must typically first show negligence on behalf of the driver to recover any damages. Under New Hampshire law, negligence has multiple elements, and you must produce evidence of each element to successfully prove your claim. First, you must show that the driver owed you a duty. In car accident cases, the duty owed is usually the duty to operate a vehicle with reasonable care. You must then show that the driver’s operation of his or her car breached the duty owed. Next, you must show that the breach was the cause of the accident and that the accident caused you to suffer actual damages. The evidence that you produce must show that it is more likely than not that the Lyft driver’s negligence caused the accident.
The driver may attempt to argue that another factor, such as the weather or your driving, caused the accident. An experienced car accident attorney can anticipate possible defenses to your claim and obtain information through the discovery process that will support an argument that the Lyft driver should be held liable for any damages that you incurred due to the accident.Damages Recoverable Under Lyft’s Insurance Policies
If you were involved in an accident with a Lyft driver, you may be able to recover the cost to repair any damage to your car and the cost to treat any injuries that you suffered due to the accident. If you were unable to work following the accident, you may be able to recover compensation for lost wages and loss of future earnings as well. In addition to damages for the economic harm that you sustained due to the accident, you may also be able to recover compensation for the pain and suffering caused by your injuries.Meet With a Seasoned Car Accident Attorney in New Hampshire
If a Lyft driver causes a car accident, Lyft may provide insurance coverage for harm caused to anyone injured in the accident. If you suffered damages in a Lyft accident, it is in your best interest to meet with a New Hampshire attorney to discuss your available options for seeking compensation from the driver. At Peter Thompson and Associates, our attorneys will vigorously pursue any damages that you may be owed. Our skillful representation of injured people in New Hampshire car accident cases has resulted in a record of successful verdicts. Our offices are located in Bedford, Nashua, Portsmouth, and Manchester, New Hampshire. We assist injured people throughout the state. Contact us at 800-804-2004 or via our online form to schedule a meeting.