Are Rideshare Drivers Able to File for Workers’ Compensation?Mississippi Legal News
After a major car accident in Mississippi, you may be wondering what your options for compensation are as a rideshare driver. Since you were technically injured in an accident during your work hours as a rideshare driver, you would think this could qualify you for workers’ compensation. The reality is a complex situation between worker’s compensation laws and auto insurance coverage policies for rideshare drivers. If you have questions about any of this, a Mississippi auto accident lawyer might be able to help you.
Who is Eligible for Worker’s Compensation?
Worker’s compensation is a program designed specifically for workers who have been injured during work hours or on the job. What this means is that there are limits on when you can claim worker’s compensation to cover your medical bills, pain and suffering, and lost wages that resulted from the accident. Accidents at work are straightforward, but accidents when traveling to or from work come with complications.
The usual complications involved are whether you were traveling to or from work during actual work hours or whether you were driving because your supervisor told you to do something for your job. Since rideshare drivers travel as the main task of their job, you would think worker’s compensation for a rideshare accident would be straightforward. However, rideshare services like Uber do not currently provide worker’s compensation benefits for their employees.
In other words, worker’s compensation does not exist for rideshare drivers. Do not panic though because there are other options for compensation out there.
What Insurance Offers for Rideshare Drivers
Auto insurance companies provide coverage for a variety of damages after a car accident. The problem with auto insurance for rideshare drivers is that each rideshare service and driver comes with different types of insurance policies and coverage. Rideshare drivers, as you may know, are required to carry basic auto insurance.
There are three different scenarios where insurance coverage for Uber rideshare drivers can differ. When you are driving a passenger from one place to another, you can be covered by a $1,000,000 policy for liability issues in addition to accidents with underinsured or uninsured drivers. This compensation can be used to cover your financial losses and the passenger’s financial damages from the accident. That way, your chances of suffering major financial losses are diminished.
The second type of coverage Uber offers is for when you are driving between trips. This coverage offers $50,000 for bodily injuries, $25,000 for property damages, and $100,000 for auto accidents. Lastly, you will be given different coverage when your rideshare application is turned off. That is, whatever auto insurance you personally carry for yourself, not the insurance coverage provided by your employer.
Multi-Vehicle Accident Lawyers in Mississippi
No one should have to go without compensation when their Mississippi car accident was caused by someone else. Call Germany Law Firm, PLLC today at (607) 487-0555 to speak with a Jackson multi-vehicle accident lawyer if you have been wrongfully denied compensation. Our team of car accident lawyers in Mississippi can work with you to collect the evidence you need for a strong claim.