Did you suffer injuries riding in a taxi that was struck by another car? There is no need to be concerned about your medical expenses, lost wages, or pain and suffering, because auto insurance should take care of those damages. When you are riding in a taxi, the vehicle is covered by a commercial insurance policy obtained by the company. If the taxi driver is at fault for the crash, the taxi company insurance policy is liable for any damages.
The driver of the other vehicle is also required by law to have insurance coverage. If the other driver is at fault, his or her insurance policy takes primary responsibility for the damages. If your damages exceed the amounts payable on that driver’s policy, then the taxi company’s insurance will take over. Because these crashes can be complicated to settle, you should consult with a personal injury attorney to ensure your rights are protected.
What Causes Crashes Involving Taxis
There are dozens of causes for car crashes. Just like any other car crash, a taxi can be involved in an accident at any time. Drivers who are distracted, under the influence of drugs or alcohol, speeding, drivers suffering from a medical problem, or those driving vehicles with mechanical problems can lead to an accident without warning. Long-term disabilities or life-altering injuries can occur in a crash.
If you have suffered injuries because of being hit by a car while riding in a taxi, get medical care for your injuries right away. Throughout your ongoing care and treatment keep thorough documentation and detailed records that can be used to support your personal injury claim. Documentation may include photographs of the crash scene, any injuries, and damages as well as crash scene evidence. You should keep a copy of the police report, get statements from witnesses to the crash, and keep copies of your medical records and physician notes.
Proving Who is the At Fault Driver
There are many accidents where the at fault driver is obvious. As an example, if a driver runs a red light and crashes into another car in an intersection it is obvious he is at fault for failing to yield right-of-way. Or, if a driver is not paying attention and pulls into the path of another car which has right-of-way, at a busy intersection it is obvious who is at fault in that crash as well. The insurance policy of the at fault driver is liable for your lost wages, pain and suffering, and medical bills pertaining to injuries sustained in the crash.
After a driver has been determined to be at fault for a crash, his or her insurance company is not going to offer you a fair settlement to take care of your damages. In order to make sure you get a fair settlement and that you are treated fairly throughout the claims process, consult with a personal injury attorney who will work to protect your rights.