Uber and Lyft drivers won’t be obtaining workers’ compensation insurance coverage like the rest of the California labor force. Instead, these gig economy workers remain steadfastly independent contractors, according to the wishes of California voters who passed Proposition 22 by a margin of nearly 3,000,000.
So if you are a Uber Driver or Lyft Driver and cause and accident, that safety net doesn’t exist. You can certainly purchase a workers’ compensation policy, but the relationship between you and Uber or Lyft is strictly one of independent contractor without workers’ comp coverage.
Independent contractors can purchase additional coverage. Uber and Lyft both provide generous Uninsured Motorist Bodily Injury (or UMBI for short). This is coverage that exists above and beyond the at-fault insurance coverage. When there is a passenger in the car, this coverage is quite large and can cover a lot of damages that would otherwise go uncovered.
If you are injured as an Uber or Lyft Driver, you need to discuss your specific situation with Napolin Accident Injury Lawyer to determine the best course of action. Call for a free case evaluation! 866-NAPOLIN! Also visit https://www.napolinlaw.com to learn more about Napolin’s law practice.
See a video involving an accident where Napolin represented an Uber driver in a wrongful death case that involved a criminal prosecution. https://www.facebook.com/napolinlawfirm/videos/1329372813814183/