Since taxi cabs comprise a significant portion of the busy traffic in New
accidents involving them are quite common. Some drivers are employed by a taxi company,
while some taxis are independently owned, which makes it difficult to
understand how to file an insurance or
personal injury claim if injured in a crash.
Since New York is considered a “no-fault” accident state, an
injured individual needs to file a car accident claim with his or her
own insurance carrier—no matter who was at fault for the collision.
Drivers in the state are required to carry a minimum of $50,000 in personal
injury protection (PIP) per person, which covers medical and rehabilitation
expenses, 80% of lost wages, and coverage of other accident-related expenses
of up to $25 per day.
However, if damages exceed these amounts, or if the driver suffers serious
injury and wishes to file a claim for pain and suffering, the victim may
file a claim with the at-fault driver. Taxi cabs are required to carry
$100,000 minimum in liability insurance and no less than $300,000 maximum
liability coverage for bodily injury or death.
If you decide to file a claim, the first thing to do is figure out whether
the taxi is privately or corporately owned. If the accident involved a
privately owned taxi cab, you may pursue an insurance claim or lawsuit
against the taxi driver who owns the vehicle. If the accident involved
a cab that a taxi company owns, insurance information about the vehicle
can be requested through the Taxi & Limousine Commission. Additionally,
you will need the license plate number to obtain the name and other relevant
information about the insurance company.
For more information,
contact Lurie, Ilchert, MacDonnell & Ryan LLP and schedule a
free case evaluation with our NYC personal injury lawyers today.