{"id":1500,"date":"2024-03-12T06:30:00","date_gmt":"2024-03-12T06:30:00","guid":{"rendered":"https:\/\/aldlawfirm.com\/?p=1500"},"modified":"2025-12-18T06:33:31","modified_gmt":"2025-12-18T06:33:31","slug":"las-empresas-de-transporte-compartido-como-uber-eliminan-la-cobertura-para-conductores-y-pasajeros","status":"publish","type":"post","link":"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/","title":{"rendered":"Es muy frustrante: las plataformas de transporte compartido eliminan la cobertura para conductores y pasajeros"},"content":{"rendered":"<p>Ll\u00e1malo como quieras: una tragedia en materia de cobertura, una serie de acontecimientos desafortunados o una situaci\u00f3n que se puede expresar con una sucesi\u00f3n de palabrotas impropias para su publicaci\u00f3n. Informar a tu cliente lesionado de que no hay cobertura para su accidente de auto es una tarea desagradable. Si tu cliente es el conductor o un pasajero en un <a href=\"https:\/\/aldlawfirm.com\/es\/abogado-especializado-en-accidentes-de-vehiculos-compartidos-en-pittsburgh\/\">viaje compartido<\/a> Si te ves involucrado en un accidente de tr\u00e1fico y la parte culpable no tiene seguro, es posible que tengas que tener esa conversaci\u00f3n muy pronto.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Alternar<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#Brief_History_of_Coverage_in_Rideshare_Accident_Cases\" >Breve historia de la cobertura en casos de accidentes de veh\u00edculos compartidos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#Wait_Can_They_do_That\" >Espera, \u00bfpueden hacer eso?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#The_Impact_on_Plaintiffs\" >Las consecuencias para los demandantes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#The_Impact_on_the_Judicial_System\" >El impacto en el sistema judicial<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#Do_Rideshare_Drivers_and_Passengers_Have_a_Remedy\" >\u00bfTienen alg\u00fan recurso los conductores y pasajeros de servicios de transporte compartido?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/uber-frustrating-rideshares-eliminate-coverage-for-drivers-and-occupants\/#Your_Legal_Options_After_a_Rideshare_Accident_in_Pennsylvania\" >Tus opciones legales tras un accidente de transporte compartido en Pensilvania<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Brief_History_of_Coverage_in_Rideshare_Accident_Cases\"><\/span>Breve historia de la cobertura en casos de accidentes de veh\u00edculos compartidos<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Los casos de lesiones relacionados con veh\u00edculos de transporte compartido sol\u00edan ser una apuesta segura para los abogados de los demandantes. Si su cliente era un pasajero o un conductor lesionado, se le consideraba con derecho a una indemnizaci\u00f3n por da\u00f1os y perjuicios sin l\u00edmite, independientemente de la elecci\u00f3n del r\u00e9gimen de responsabilidad civil; adem\u00e1s, hab\u00eda cobertura m\u00e1s que suficiente para todos. <\/p>\n<p>Las empresas de transporte compartido est\u00e1n obligadas a contar con una cobertura de $1 millones de d\u00f3lares por da\u00f1os corporales y, en un principio, contaban con la misma cantidad en las coberturas UM\/UIM. Con el tiempo, las empresas han ido reduciendo esa cobertura y ahora est\u00e1n empezando a rechazarla por completo.  <\/p>\n<h3><span class=\"ez-toc-section\" id=\"Wait_Can_They_do_That\"><\/span>Espera, \u00bfpueden hacer eso?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Las empresas de transporte compartido tienen la obligaci\u00f3n de ofrecer ciertos tipos de cobertura de seguro a sus conductores, pero el seguro UM\/UIM no es uno de ellos.  <\/p>\n<p>La cobertura UM\/UIM debe ser debidamente excluida. El texto de la cl\u00e1usula de exclusi\u00f3n prescrito por el <a href=\"https:\/\/www.pacodeandbulletin.gov\/Display\/pacode?file=\/secure\/pacode\/data\/031\/chapter69\/chap69toc.html&amp;d=\" target=\"_blank\">MVFRL<\/a> Parece claro que el asegurado debe <em>ellos mismos <\/em>reconocer que tienen derecho a la cobertura UM\/UIM y que renuncian expresamente a ese derecho (tanto en su propio nombre como en el de los familiares con quienes conviven) a cambio de una prima m\u00e1s baja.  A pesar de esta redacci\u00f3n aparentemente clara de la renuncia, los tribunales han sostenido que un empleador puede renunciar a dicha cobertura en nombre de un empleado; adem\u00e1s, no est\u00e1 obligado a informar a su empleado de su decisi\u00f3n de exponerlo a un riesgo financiero y renunciar a la cobertura UM\/UIM en su nombre.<\/p>\n<p>Hist\u00f3ricamente, las empresas de transporte compartido se han resistido a adoptar esta estrategia centrada en los costos, tal vez porque siempre han dudado en considerarse a s\u00ed mismas \u201cempleadores\u201d.\u201d<\/p>\n<p>En sus inicios, Uber y otras empresas de transporte compartido eludieron h\u00e1bilmente ciertas regulaciones a nivel nacional, alegando que eran <em>no<\/em> los servicios tradicionales de taxi. Adem\u00e1s, evitaron considerarse empleadores; m\u00e1s bien, afirman actuar como meros intermediarios entre el conductor y el pasajero.  Con el enorme aumento del n\u00famero de conductores en la carretera que trabajan \u201ca trav\u00e9s de la aplicaci\u00f3n\u201d de una empresa de transporte compartido, Lyft renunci\u00f3 audazmente a la cobertura UM\/UIM en nombre de sus conductores en 2020. Si bien las empresas de transporte compartido se niegan a proporcionar seguro m\u00e9dico o indemnizaci\u00f3n laboral a sus conductores, sin duda est\u00e1n encantadas de adoptar <em>esto <\/em>aspecto de la relaci\u00f3n laboral, teniendo en cuenta el enorme ahorro que esto les supone.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Impact_on_Plaintiffs\"><\/span>Las consecuencias para los demandantes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Los conductores con cobertura UM y UIM en sus p\u00f3lizas personales suelen creer que cuentan con una \u201ccobertura total\u201d, y a menudo se enfurecen al descubrir que su propia compa\u00f1\u00eda de seguros los excluye \u2014a ellos y a sus pasajeros\u2014 mientras est\u00e1n \u201cconectados a la aplicaci\u00f3n\u201d. Esto significa que todos los ocupantes quedan en una situaci\u00f3n de vulnerabilidad econ\u00f3mica si sufren lesiones causadas por un responsable civil sin seguro.  Uber Eats tambi\u00e9n ha renunciado a la cobertura UM\/UIM, por lo que el problema no se limita a los conductores que transportan personas.<\/p>\n<p>Las personas que no tienen auto (ni seguro de auto) dependen de los servicios de transporte compartido cuando carecen de acceso a un transporte p\u00fablico confiable. La decisi\u00f3n de Lyft de eliminar la cobertura UM\/UIM resulta especialmente perjudicial para estos pasajeros. Fuera del contexto del transporte compartido, existen disputas similares relacionadas con los autobuses que se ven complicadas por la inmunidad gubernamental; pero, incluso en <em>esos <\/em>En algunos casos, ha habido al menos alguna posibilidad de recuperaci\u00f3n. Cuando la empresa de autobuses no ofrece cobertura UM\/UIM, los tribunales de apelaci\u00f3n de Pensilvania han exigido a las autoridades de transporte p\u00fablico que proporcionen una cobertura UM de 15 000 $ por persona y 30 000 $ por accidente.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Impact_on_the_Judicial_System\"><\/span>El impacto en el sistema judicial<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>El hecho de que las empresas de transporte compartido eximan de la cobertura UM\/UIM a los conductores y a sus pasajeros tiene consecuencias colaterales.  Los pasajeros de veh\u00edculos compartidos que resulten lesionados por un responsable civil sin seguro se dar\u00e1n cuenta de que no hay forma de obtener una indemnizaci\u00f3n a trav\u00e9s de una reclamaci\u00f3n UM ante la aseguradora de la empresa de transporte compartido. Esos pasajeros podr\u00edan presentar reclamaciones con poco fundamento contra el propio conductor, ya que no tienen a qui\u00e9n m\u00e1s recurrir para obtener una indemnizaci\u00f3n. Una avalancha de reclamaciones de responsabilidad civil muy endebles contra los conductores de Uber y Lyft con el \u00fanico fin de activar la cobertura de responsabilidad civil afectar\u00eda negativamente a la integridad y la econom\u00eda del sistema judicial.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_Rideshare_Drivers_and_Passengers_Have_a_Remedy\"><\/span>\u00bfTienen alg\u00fan recurso los conductores y pasajeros de servicios de transporte compartido?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Los conductores pueden contratar un seguro adicional para el transporte compartido a trav\u00e9s de su compa\u00f1\u00eda de seguros personal. Deben asegurarse de que esta \u201ccl\u00e1usula adicional para transporte compartido\u201d incluya cobertura UM\/UIM y no se limite a ofrecer una cobertura de responsabilidad civil de tipo \u00abparaguas\u00bb. Si el conductor ya ha sufrido lesiones, la respuesta es mucho m\u00e1s complicada. Se han presentado demandas civiles por fraude contra Lyft por haber renunciado a la cobertura UM\/UIM sin el consentimiento del conductor, pero esos casos a\u00fan se encuentran en litigio.<\/p>\n<p>Dada la redacci\u00f3n actual de la legislaci\u00f3n, la \u00fanica forma fiable de subsanar esta laguna legal es mediante iniciativas legislativas que obliguen a las empresas de transporte compartido, como Uber y Lyft, a ofrecer cobertura UM\/UIM; o, como m\u00ednimo, obligarlas a <em>expl\u00edcitamente <\/em>informar a sus conductores y pasajeros de que se est\u00e1 rechazando la cobertura UM\/UIM, y ofrecer al conductor y\/o al pasajero la opci\u00f3n de contratarla. Las impugnaciones a la validez de otras exenciones corporativas de la cobertura UM\/UIM no han tenido, en general, \u00e9xito en los tribunales de Pensilvania.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Your_Legal_Options_After_a_Rideshare_Accident_in_Pennsylvania\"><\/span>Tus opciones legales tras un accidente de transporte compartido en Pensilvania<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>El <a href=\"https:\/\/www.pewresearch.org\/short-reads\/2019\/01\/04\/more-americans-are-using-ride-hailing-apps\/#:~:text=The%2520share%2520of%2520Americans%2520who,survey%2520conducted%2520in%2520fall%25202018.\" target=\"_blank\">creciente popularidad<\/a> Las aplicaciones de transporte compartido y la reducci\u00f3n de la cobertura est\u00e1n convirtiendo este servicio, que antes resultaba muy pr\u00e1ctico, en una situaci\u00f3n complicada en materia de seguros. \u00bfEste cambio en la legislaci\u00f3n y los precedentes modificar\u00e1 la forma en que los consumidores utilizan estas aplicaciones? \u00bfSe ver\u00e1n obligados los consumidores a gastar cantidades astron\u00f3micas en sus propias p\u00f3lizas de seguro para cubrir las lagunas? Si has sufrido un accidente en un veh\u00edculo de transporte compartido y has resultado gravemente herido, obtener una indemnizaci\u00f3n puede no ser un proceso sencillo. <a href=\"https:\/\/aldlawfirm.com\/es\/contacto\/\">P\u00f3ngase en contacto con un abogado<\/a> que tenga experiencia en accidentes de veh\u00edculos de transporte compartido y est\u00e9 al tanto de estos cambios en la legislaci\u00f3n.  <\/p>","protected":false},"excerpt":{"rendered":"<p>Call it what you will \u2013 a coverage tragedy, a series of unfortunate events, or a situation that can be expressed with a sequence of four-letter words unfit for publication. Informing your injured client that there is no coverage for their car accident is an unsavory task. If your client is a driver or passenger [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1500","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-motor-vehicle-accidents"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Uber Frustrating: Rideshares Eliminate Coverage for Drivers and Occupants - Ainsman Levine<\/title>\n<meta name=\"description\" content=\"Discover the complications of rideshare accident coverage in Pennsylvania. Learn about legal options after Uber or Lyft incidents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aldlawfirm.com\/es\/blog\/las-empresas-de-transporte-compartido-como-uber-eliminan-la-cobertura-para-conductores-y-pasajeros\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Uber Frustrating: Rideshares Eliminate Coverage for Drivers and Occupants - Ainsman Levine\" \/>\n<meta property=\"og:description\" content=\"Discover the complications of rideshare accident coverage in Pennsylvania. Learn about legal options after Uber or Lyft incidents.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aldlawfirm.com\/es\/blog\/las-empresas-de-transporte-compartido-como-uber-eliminan-la-cobertura-para-conductores-y-pasajeros\/\" \/>\n<meta property=\"og:site_name\" content=\"Ainsman Levine, LLC\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/facebook.com\/AinsmanLevineLLC\/\" \/>\n<meta property=\"article:author\" content=\"http:\/\/facebook.com\/AinsmanLevineLLC\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-12T06:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-18T06:33:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aldlawfirm.com\/wp-content\/uploads\/2025\/12\/uber-frustrating-rideshares-eliminate-coverage-image.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"850\" \/>\n\t<meta property=\"og:image:height\" content=\"415\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Richard C. 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El Sr. Levine est\u00e1 habilitado para ejercer en Pensilvania, en el Tribunal de Distrito de los Estados Unidos para el Distrito Oeste de Pensilvania y en el Tribunal de Apelaciones de los Estados Unidos para el Tercer Circuito. Obtuvo su Doctorado en Derecho (J.D.) en la Facultad de Derecho de la Universidad de Pittsburgh y una licenciatura (B.A.), cum laude, en la Universidad de Pittsburgh.","sameAs":["https:\/\/aldlawfirm.com","http:\/\/facebook.com\/AinsmanLevineLLC\/","https:\/\/www.instagram.com\/p\/DV0nriXlK_3\/","https:\/\/www.linkedin.com\/company\/ainsman-levine-llc","https:\/\/www.ilawconnect.com\/pittsburgh\/attorney\/ainsman-levine-llc","https:\/\/x.com\/https:\/\/x.com\/ainsmanlevine","https:\/\/www.linkedin.com\/in\/richard-levine-3863762a","https:\/\/www.yelp.com\/biz\/ainsman-levine-pittsburgh-2","https:\/\/profiles.superlawyers.com\/pennsylvania\/pittsburgh\/lawyer\/richard-c-levine\/28e2219e-f2dc-42e4-a57d-df5fc2f098e5.html","https:\/\/www.lawyer.com\/firms\/ainsman-levine-drexler-llc.html","https:\/\/www.datanyze.com\/companies\/ainsman-levine\/3920152"],"url":"https:\/\/aldlawfirm.com\/es\/blog\/author\/richard-c-levine\/"}]}},"_links":{"self":[{"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/posts\/1500","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/comments?post=1500"}],"version-history":[{"count":1,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/posts\/1500\/revisions"}],"predecessor-version":[{"id":1506,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/posts\/1500\/revisions\/1506"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/media\/1503"}],"wp:attachment":[{"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/media?parent=1500"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/categories?post=1500"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aldlawfirm.com\/es\/wp-json\/wp\/v2\/tags?post=1500"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}