Being involved in a car accident is stressful, and when a rideshare vehicle such as Uber or Lyft is part of the collision, the situation becomes more complicated. Questions often arise about who is responsible, what insurance coverage applies, and whether you can sue the driver directly. Maryland law has specific rules governing these cases, and understanding them is essential if you’ve been injured in a rideshare accident.
Can I Sue a Rideshare Driver in Baltimore?
Yes. If the rideshare driver’s negligence caused the crash—such as texting while driving, speeding, or ignoring traffic signals—you can bring a claim against them. Like any motorist in Maryland, rideshare drivers are required to carry minimum auto liability coverage. If the driver was off duty and not logged into the app, their personal insurance policy typically applies. If they were logged in or transporting a passenger, the rideshare company’s insurance coverage may also become available.
When Does Uber or Lyft Insurance Apply?
Rideshare companies provide layered insurance policies that depend on the driver’s status at the time of the crash. If the driver is logged into the app but has not yet accepted a ride, limited liability coverage is available. If the driver is actively transporting a passenger or on the way to pick one up, the company’s higher coverage limits—often up to $1 million—apply. This structure ensures that injured parties may seek compensation even when the driver’s personal policy is insufficient.
Can I Sue the Rideshare Company Directly?
While rideshare drivers are considered independent contractors, Maryland law does allow claims to be brought against the rideshare company in certain circumstances. If the driver was using the app or carrying a passenger at the time of the crash, the company’s insurance coverage is triggered, and claims may be made under that policy. Direct lawsuits against the company are less common but may be possible depending on the facts of the case.
How Does Contributory Negligence Affect My Claim?
Maryland is one of the few states that follows contributory negligence. This means that if you are found even slightly at fault for the accident, you may be barred from recovering damages entirely. Because of this strict standard, rideshare accident cases often require careful investigation and presentation of evidence to demonstrate that the rideshare driver was fully responsible.
What Damages Can I Recover?
If successful, a claim can provide compensation for medical expenses, lost wages, property damage, rehabilitation costs, and pain and suffering. In severe cases, future medical needs and diminished earning capacity may also be included. The specific damages available will depend on the circumstances of the crash and the extent of your injuries.
What Is the Time Limit for Filing a Lawsuit in Baltimore?
In Maryland, the statute of limitations for personal injury cases, including rideshare accidents, is generally three years from the date of the crash. Failing to file within this period usually results in losing the right to pursue compensation. Acting quickly is important to preserve evidence and meet all legal deadlines.
What Steps Should I Take After a Rideshare Accident in Baltimore?
After ensuring your immediate safety, seek medical attention right away. Even minor injuries should be documented, as they may worsen over time. Report the crash to the police and notify the rideshare company through the app. Gather as much evidence as possible, including photos of the accident scene, vehicle damage, and your injuries. Collect contact information from witnesses and keep detailed records of medical treatment and lost wages. Avoid making statements to insurance adjusters until you have spoken with an attorney.
A Baltimore Uber and Lyft Accident Lawyer at Garner Legal Understands the Complex Rideshare Laws of Maryland
Rideshare accidents present unique challenges under Maryland law, particularly because of the layered insurance system and the state’s strict contributory negligence rules. If you’ve been injured in a crash involving an Uber or Lyft vehicle, consult with a Baltimore Uber and Lyft accident lawyer at Garner Legal. Call today at 443-899-1758 or fill out our online form for a free consultation. We are located in Baltimore.