Being involved in a car accident is always stressful, but being in a ride-sharing accident like an Uber crash can add a whole new layer of complexity. Questions about insurance, liability, and who to contact might be racing through your mind.
Don’t worry, you’re not alone. Many people find themselves in similar situations.
Let’s talk about the steps you should take after an Uber accident, the role of Uber’s insurance, and how to navigate the claims process to ensure you receive fair compensation.
Immediate Steps To Take After Your Uber Accident
The aftermath of a car accident can be overwhelming. Here’s what you should do:
- Prioritize safety: Make sure you and everyone involved are safe and call emergency services if needed.
- Gather information: Get a police report. Exchange contact and insurance information with the other parties involved.
- Document the scene: Take photos of the accident scene, your injuries, and any vehicle damage.
- Get medical attention: Even if you feel okay, it’s important to get checked out by a doctor.
- Report the accident: Inform Uber about the accident through their app or website.
- Contact your insurance company: Notify your personal insurance company about the accident.
- Consider legal advice: Consulting with an experienced car accident attorney can help protect your rights.
Understanding Uber’s Insurance Coverage
Uber’s insurance coverage is designed to protect drivers and passengers in various situations. The coverage provided by Uber depends on the driver’s status at the time of the accident:
Offline or the Uber App is Off: If the Uber driver’s app is off, the driver’s personal car insurance applies. Uber’s insurance policy does not provide coverage in this scenario.
Available or Waiting for a Ride Request: When the driver is available and waiting for a ride request, Uber provides liability coverage.
- Liability Coverage: $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $25,000 for property damage.
- Uninsured/Underinsured Motorist Coverage: In some states, Uber also offers uninsured/underinsured motorist coverage.
En Route to Pick Up Passengers or During Trips: Once a ride request has been accepted and during trips, Uber’s insurance coverage increases significantly:
- Liability Coverage: $1,000,000 per accident.
- Collision Coverage: Contingent comprehensive and collision coverage up to the actual cash value of the car with a $1,000 deductible, provided the driver has collision coverage on their personal auto insurance policy.
- Uninsured/Underinsured Motorist Coverage: Provides coverage for accidents involving uninsured or underinsured motorists.
It’s important to note that Uber’s insurance is secondary to the driver’s personal insurance. This means the driver’s own insurance will be the primary source of coverage, and Uber’s insurance will only cover additional damages if the driver’s policy limits are exhausted.
How Uber’s Insurance Works in Action
When an Uber accident occurs, the primary insurance coverage depends on the driver’s status at the time of the crash. Understanding this will help determine which insurance policy to file a claim against—Uber’s or the driver’s personal insurance.
Filing an Insurance Claim
After reporting the accident to Uber, you will be contacted by Uber’s insurance adjuster to discuss the accident. We recommend being cautious when speaking with insurance adjusters and seeking legal counsel before doing so. Provide accurate information but avoid admitting fault or speculating about the accident details.
Who’s Responsible? Figuring Out Fault in an Uber Accident
Figuring out who’s at fault in an Uber accident can be complicated. It depends on the specific circumstances of the crash. Here are some common scenarios:
The Uber driver caused the accident: If the Uber driver’s actions led to the crash, Uber’s insurance would likely cover the damages.
Another driver caused the accident: If another vehicle was responsible, their insurance would typically cover the damages.
The Uber passenger contributed to the accident: In some cases, the passenger’s actions might share some responsibility.
Getting legal advice from a reputable law firm can help you understand your rights after an auto accident and determine who’s at fault.
Navigating the Claims Process
Dealing with insurance companies can be challenging, especially when multiple insurers are involved. You may need to file claims with both Uber’s insurance company and your personal auto insurance provider. Each insurance company will conduct its investigation to determine liability and the extent of coverage.
Common Challenges in Rideshare Accident Claims
Disputes Over Coverage
Insurance companies might dispute whether Uber’s insurance or the driver’s personal insurance should cover the accident.
Policy Limits
There may be disputes about the limits of liability coverage and whether they are sufficient to cover your damages.
Delays and Denials
Insurance companies very often delay or deny claims, making it key to have strong legal representation to advocate for your rights.
Seeking Legal Representation
Given the complexities of rideshare accident claims, consulting an experienced accident attorney is highly recommended. A knowledgeable personal injury lawyer can help you navigate the claims process, negotiate with insurance companies, and ensure you receive maximum compensation for your injuries and losses.
Questions? Get A Free Consultation with RHHK
Our experienced team at Rush, Hannula, Harkins & Kyler are here to help you navigate the complex legal process and get the compensation you deserve.
We offer a free consultation to discuss your case and answer your questions. Don’t hesitate to reach out.
Remember: You have the right to seek fair compensation for your injuries and losses.