Tax Cab Passenger Injury and Pedestrian Accident Claims New York City’s Taxi and Limousine Commission (TLC) requires that all yellow (medallion) taxi cabs and all licensed car services carry a minimum of $100,000.00/$300,000.00 in liability insurance coverage . This means that any one (1) person, when injured or killed in a taxi cab or other vehicle regulated under the NYC TLC, they, or their loved ones, have a maximum of One Million Dollars in liability insurance available to them. Often, there is more than one person injured in or by a taxi cab and there is a maximum of Three Hundred Thousand Dollars of insurance available to them, not to exceed $100,000.00 per person, in total. Because it is not unusual for a taxi cab to have more than three passengers or be involved with another vehicle having several passengers; all of the injured people would then have to share in the total insurance coverage of $300,000.00, in which case each person may be entitled to less than $100,000.00. Of course, given that one may suffer paralysis, bone fractures, and other severe injuries, or even death, this is not much money at all. This would be in addition to New York State No-Fault Coverage Private Vehicles and Gipsy Cab Passenger Injuries and Pedestrian Accidents Private, unlicensed gypsy cabs do not have this requirement and, therefore, will have only the minimum motor vehicle liability coverage of $25,000.00/$50,000.00. Thus an individual who was injured would be covered to a maximum of $25,000.00 and multiple injured parties would have to share a maximum of $50,000.00 in insurance coverage. Uber Car Service, UberX with Ride Sharing Passenger Injury and Pedestrian Accident Claims In New York City, UberX ride-sharing has more robust coverage for about $1,000,000.00 per incident, while they are carrying passengers, which is primary to any personal insurance coverage that the driver may have. If the UberX driver does not have a passenger and is between trips then the driver is also backed by an additional policy that covers driver liability for bodily injury up to $50,000/individual/accident with a total of $100,000/accident and up to $25,000 for property damage, which policy is only available if the drivers primary personal insurance pays zero (0) dollars. There is also $1 million of uninsured/underinsured motorist bodily injury coverage per incident if another vehicle without insurance crashes with the UberX Car you are in.

 UberBLACK, UberSUV, or UberTAXI and other Commercial Taxi Service Accidents As always, all UberBLACK, UberSUV, or uberTAXI rides are provided by commercially licensed and insured partners and drivers. Those transportation providers are covered by commercial insurance policies, in accordance with local and state requirements. This means that they would generally have the same insurance coverage as New York City’s Taxi and Limousine Commission (TLC) taxis and cares requires that all yellow (medallion) taxi cabs and all licensed car services carry a minimum of $100,000.00/$300,000.00 in liability insurance coverage. The Lawyers at Bisogno & Meyerson are experts in dealing with commercial and private taxi cab insurance policy accident-related issues. With the Uber cars on the road surpassing Yellow taxi (medallion) cabs, as well as the so-called “gypsy” illegal cabs, and other paid taxi car services, it is important that you talk to an experienced and up-to-date accident lawyer that can investigate your taxi accident injury or wrongful death claim, and has the experience and resources to make sure that you get the money that you deserve NY State No-Fault is Available for All Injured Drivers and Passengers New York State operates under a No-fault Insurance system. Regardless of who is at fault in the accident, “No-Fault”, covers an injured person’s basic economic loss. It has nothing to do with compensating the injured person for pain and suffering which is covered under the liability insurance coverage discussed above, for Yellow Taxis, Uber Ride-Sharing Service, and all other car services and vehicles on the road.

How Does No-Fault Insurance Work in a NYC Taxi, Limo & Uber Accidents If the taxi cab, limo, Uber vehicle, gypsy vehicle, or any other commercial delivery (livery) service in which you are a passenger is involved in an accident in NY the Taxi cab’s companies No-Fault coverage is provided and, once your no-fault claim is properly filed, the no-fault insurance will be available for the payment of your medical bills and other accident-related expenses.  In New York, no matter which type of car service you are a passenger in, or even if you are hit as a pedestrian walking and are hit by a cab, most taxi cabs and other car services, carry the minimum No-Fault coverage of $50,000.00 in addition to the liability coverage listed above. NY Medical providers that provide treatment for your injuries, related to your accident, are required to adjust their bills to conform to the established No-Fault rates that are set by the NY State government. The medical providers will need to know the name of the no-fault insurance provider to bill them for their services. If the police are at the scene of the accident the driver of the taxicab or car service will be required to show the officer the car’s insurance card. The police report will have the identification number of the insurance company in the body of the report. It is the driver’s duty to report the accident to his insurance company. However, a significant number of drivers “forget” or choose not to for whatever reason, inform their no-fault insurance carrier of the accident. At Bisogno & Meyerson, our law firm routinely notifies the insurance company of the accident, on your behalf. If you have a serious physical injury, it is a big mistake to contact the insurance carrier on your own. These insurance carriers will ask for information from you that you are not required to give them in an effort to limit their exposure in the accident case.