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If you or someone you know has been involved in an accident with an Uber driver, it could get kind of tricky figuring out whose and what type of insurance applies. It takes experienced California Uber & Lyft accident lawyers to determine the cause and the time of the accident to know what type of insurance coverage applies.
Are Uber Drivers Covered by Insurance?
The extent of Uber’s insurance coverage depends on when the accident occurred. An accident could be categorized into three separate categories.
- When the driver is offline: when the driver has not logged into the Uber app and has not accepted a ride, Uber’s car insurance coverage will not apply. Instead, if you have been involved in an accident during this time, you may choose to go after the driver’s personal car insurance. Under California law, all drivers operating motor vehicles must have car insurance.
- The driver is online, but a ride request has not been accepted: in this case, Uber insurance coverage does apply. Uber’s third-party liability insurance applies only if the driver’s car insurance does not apply. Third-party liability coverage includes:
- $50,000 for bodily injury per person
- $100,000 for bodily injury per accident
- $25,000 for property damage
- This time is a gray area, meaning that sometimes the Uber driver may not have adequate personal car insurance to cover all costs, including bodily injury and property damage.
- The driver has accepted a ride and has a passenger in the vehicle: in this case, Uber’s insurance coverage applies. This means that passengers are in the vehicle, and a ride has occurred. Uber has $1,000,000 in liability coverage and covers injuries to the passengers if the other driver is at fault.
Uber also has contingent collision and comprehensive coverage, covering damage to the driver’s vehicle.
Are Uber Passengers Covered by Insurance?
Passengers in the Uber vehicle at the time of the job are covered. Uber’s $1 million liability policy covers injuries to passengers that may occur during an accident.
What If I Was In An Uber Accident While Driving For Uber?
If you were involved in an accident while working for Uber, you could still recover compensation. If the other driver was at fault, you should be able to get compensated for your injuries immediately. But, if you were partially responsible for causing the accident, then liability may reduce your compensation. To discuss your case in detail, give us a call today.
What Should I Do After An Uber Accident?
If you were involved in an accident with an Uber driver, you should take all necessary precautions. This means getting medical help and documenting the accident location to gather evidence on how the accident happened.
- If anyone has been seriously injured, you should request an ambulance.
- Talk to an experienced Uber accident lawyer for more information on how you could get top-rated legal care.
Can I Sue Uber For Being Involved In An Accident?
Uber accident victims have the opportunity to file a lawsuit against Uber if Uber’s insurance has denied their claim or has not fully paid their claim. However, it could get tricky since Uber drivers are considered independent contractors and may carry their own insurance during an Uber ride. This is why having an experienced Uber attorney will help ease the process.
Uber Insurance Compensation
You could recover both economic and non-economic damages from an Uber accident.
Economic damages include:
- Medical Bills
- Lost Wages
- Future Loss Of Earning Capacity
- Damage To Your Vehicle
- Personal Property Damage
These types of damages are more straightforward to calculate since they are out-of-pocket expenses that are directly related to the accident injuries
Non-economic damages include:
- Permanent Disfigurement
- Emotional Distress
- PTSD
- Trauma
- Loss Of Enjoyment Of Life
These types of damages may be a little bit difficult to calculate since they are intangible
How Do You Determine Liability In An Uber Accident?
Similar to car accidents, an Uber accident attorney will investigate the details of the accident to determine who the liable party is and how the accident occurred. If the Uber driver was responsible for the accident, then they will be held liable through their insurance or Uber’s insurance.
But, if the driver of the other vehicle was responsible for causing the accident, then their insurance may be liable for your injuries.
Should I Hire An Uber Accident Attorney After My Accident?
Sometimes, accidents can be challenging to deal with, especially if you have suffered physical injuries. After the accident, several requirements must be met for you to get the compensation you need. For example, you must file an accident report with Uber within a certain time. If you fail to follow through with just one requirement, you may lose out on getting the compensation you need.
That is why having a top rated Uber lawyer is helpful when navigating through the unknown. Our Uber accident attorneys will gather all information related to the accident to make sure that we have a strong case.
How Can I Report An Accident To Uber?
Passengers and drivers who would like to report an accident on Uber must do so through the Uber app. If you are a driver, you must report the accident through the Uber driver app. If you are a passenger, you must report the accident through the Uber rider app.
- Click on trip history to access the exact trip when the accident happened.
- Click on “report an issue” to report the car accident.
- You will then answer a series of questions about the date, time, location, and parties involved in the car accident.
- Besides a series of questions, the app will also require photos of the accident location, injuries, or damage to vehicles.
- You could also contact Uber directly by giving them a call, but Uber usually prefers to file a formal documented accident report.
After an Uber claim has been filed, an insurance partner will contact all members involved to begin the investigation into the accident and start the claims process. During this time, you may receive a phone call from the claims adjuster. We advise that you refrain from speaking to any adjusters until you have talked to your attorney first.
Hire an Uber Insurance Coverage Attorney Today
It is essential to remember that Uber’s insurance coverage may vary from city to city and even from state to state. We recommend speaking to our attorneys to go through your specific accident scenario and walk through the different options to file a claim.
Sometimes, Uber’s insurance policy may not fully cover the entire claim. In other cases, the insurance company may deny the claim. In cases like this, it could get very frustrating to deal with insurance companies. That is where our attorneys come in.
Our experienced attorneys will negotiate with insurance companies to help you get the top-rated legal care you need. Through our risk-free one-on-one consultations, our attorneys will discuss how you could get compensation for your injuries.
Call Megeredchian Law at (866) 359-0807 24 Hours a day, 7 days a week. You can also book an online appointment and provide more details in written – an expert will evaluate your case and contact you soon.