Taxi Cab Accidents: Who Pays for My Injuries?
More than 13,000 yellow cabs service the 8.5 million people in New York. The apparent mismatch leads to some drivers prioritizing speed over safety to service more customers and earn more in the process. Notice how taxis take shortcuts and even risk getting tickets to get you to your destination at the soonest possible time. But taking shortcuts threaten your safety and well-being. In some cases, these lead to taxicab accidents.
Who pays for my injuries and losses?
In New York, taxi drivers are required to carry no-fault insurance. No-Fault insurance pays for your (the passenger) damages, regardless of who’s at fault in the collision. However, no-fault insurance carries a limit so it cannot pay for all your medical expenses and other losses.
Once the taxi driver’s no-fault insurance has been exhausted, you may opt to seek compensation from the driver’s company. The driver’s company should have liability insurance, which varies depending on the type of taxi service.
Licensed limousines and taxis in New York, by law, must carry liability insurance of at least $100,000 for every one person and $300,000 for all persons injured in a collision. However, unlicensed or gypsy cabs only carry $25,000 liability insurance for one person and $50,000 for all persons injured in a crash. Meanwhile, Uber drivers carry liability insurance of $1 million in coverage.
If liability insurance is not enough, you can also get a lawyer to get compensation from the insurance of the at-fault party.
If the taxi does not carry any insurance at all, you will be covered by Uninsured Motorist coverage under your policy provided that you opted for it.
But claims for taxi cab accidents in New York are not easy to process. You see, when your taxi driver has caused a collision that resulted in your injuries and losses, it’s not always clear which insurance companies will step in to pay for your damages. Although all taxis have insurance and their companies have liability insurance, the number of your medical expenses might exceed coverage especially if you’re seriously injured.
What if you are denied coverage?
Again, the concept of duty comes in when you’re filing for claims. The taxi driver must follow traffic rules but you, as a passenger, also must ensure your safety. Therefore, you can be denied coverage if it’s been proven that you stepped out of the cab straight into traffic or you didn’t put on your seatbelt resulting in taxi cab accidents.
Like in all other accidents, it’s crucial to establish blame to receive adequate compensation. Proving who’s at-fault is a long and tricky process that’s why you need a competent lawyer to represent you. A good lawyer will seek substantial evidence, together with the police, to win your case.
Both a pedestrian and a motorist carry duties when using public roads. But in the event of taxi cab accidents, proving breach of such obligations will be a challenge. Trust a good lawyer to help you through the process.