A quick note before diving into this topic: “taxi” in this posting refers to a taxi cab in the traditional sense. More specifically, it refers to a car that charges metered fares and adheres to the guidelines and laws that govern taxi use in the state in which it’s being driven. This post is not meant to refer to rideshare programs such as Lyft or Uber, as they may be subject to different regulations.
Taxi drivers may hold commercial driving licenses, but they’re still human beings tootling around in a conveyance composed of many thousands of pounds of metal. And they are not exempt from car accidents. If you ever find yourself riding in a cab that gets into an accident, it’s important to know what steps you should take.
What to do after a taxi cab accident in Missouri
If the accident is severe, the first step will always be to call 911 and request medical help. Getting yourself or any other injured parties medical attention should always be the first priority no matter who was at fault. Second, even if the cab driver tells you it is not necessary, you should give the police a call. The police may decide it’s not necessary for them to come to the scene, but they should be the ones to make that decision. In the event that you need to tangle with the insurance companies over payment, a police report can be an extremely useful tool.
Missouri is an at-fault state
Missouri is an at-fault state for car accidents. Missouri requires its residents to carry a minimum amount of liability coverage in their auto policies. It’s important to remember that liability coverage only pays if the other driver was negligent, or at-fault. That being said, you may eligible to file a personal injury lawsuit depending on the severity of your injuries. A lawyer can advise you of your rights and handle the negotiations on your behalf.
It is also always important to wear a seatbelt when riding in a taxi. Remember that taxis are no different from other cars on the road, and your health and well-being should always be your own first priority.
Collect information of everyone involved in an accident
In some circumstances, the police will choose to come to the scene of an accident. If they do, be sure to write down the name and contact information of the precinct and the name of the office in charge. Also ask how you can get a copy of the accident report.
Regardless of whether or not the police come, you should write down the name of the taxi cab driver, his license number and the name of the company for which he drives. Also write down the name(s) of the other party (or parties) involved, their driver’s license number, insurance information and make, model and license plate number of their car. Also, note down as much about the accident as possible.
Liability insurance required by taxi cab driver
Taxis are required to carry a certain amount of liability insurance. However, depending on the severity of the accident and the extent of your injuries, you may need more financial compensation than the taxi’s insurance is willing to offer. Under those circumstances, you may wish to speak with a personal injury attorney who is familiar not only with insurance companies but with the laws of the state in which the accident took place.
