With regard to rideshare accidents and insurance, I spoke about no-fault earlier. No-fault may apply. Workers’ compensation may apply. It really depends on the facts of that accident.
Who was working? Were they within the scope of their employment? Was the insurance company aware that the vehicle was being used for employment purposes?
It’s a tricky area of the law that’s still relatively new. But you need to identify all of the facts, including where somebody was going and where somebody was coming from.
Insurance carriers need to know that the vehicle is being used for employment or being used as a rideshare, or they may have an opportunity to disclaim.
So, all of those facts have to be investigated to determine who the responsible party is and whether no-fault benefits or possibly workers’ compensation benefits are available.
Sometimes, there may not be any available benefits, which then means that an injured party may have to look to their own insurance, their own automobile insurance, to get the proper benefits.
So, a lot goes into those cases.