Uber has been a game-changer for many. With Uber, hailing a ride has never been easier. However, that doesn’t mean all rides go as planned. Just like all drivers, Uber drivers are not immune to accidents that can injure them or their passengers.
If you use Uber or a service like it, it is important to know what to do if you are involved in an accident during your ride.
The First Steps Immediately After An Uber Accident
If necessary, get emergency treatment for your injuries.
- Call the police and report the accident.
- Get contact information from your Uber driver and any other drivers involved, including name, phone number, and insurance provider. Specifically, make sure to get your driver’s rideshare insurance information, in addition to his personal policy information. This will allow you to submit your claim to the correct agent for consideration.
- Stay at the scene until police arrive, and ensure the accident report states you were a passenger in the Uber vehicle at the time of the accident.
- Take photos of the scene and screenshots of your app to show you were an Uber passenger.
- Collect contact information from any witnesses.
- It is a good idea to seek medical care within the first day or so after a crash, even if you do not believe you sustained any injuries. Injuries, like whiplash, may not surface immediately after an accident. Having a thorough medical exam is the best way to protect your legal right to compensation.
Vehicle accidents involving Uber can be much more complicated than the average automobile accident insurance claim. That is why it is essential to work with an experienced law team like Williams DeLoatche, P.C. to help sort through all of the information and facts to ensure you are compensated for your injuries.
Your attorney will look at the following:
Uber’s Accident Policy
If you are riding in an Uber and your driver gets into an accident that causes you injuries, Uber does have an accident policy. That policy covers the driver up to $1 million in liability, which means you will be covered for up to $1 million in damages for your injury.
But there is a caveat here: the coverage only kicks in if Uber’s driver or the other driver is at fault and has insufficient bodily injury coverage. The $1 million maximum coverage is only available in certain scenarios outlined in Uber’s auto insurance policy.
For example, if a driver is logged into the Uber app, but has not yet connected with a rider, the insurance policy only covers up to $50,000 in liability.
The maximum $1 million coverage is also provided if your Uber driver is an accident with an uninsured or underinsured driver, or if your driver is involved in a hit-and-run accident.
If the Uber driver has the appropriate coverage, you may have to deal with his or her insurance company.
Confirm the Driver Was in the Course and Scope
Uber provides liability coverage for its drivers for bodily injury and property damage. However, for coverage to apply, the driver must have been in the course and scope of his duties of driving for anyone of Uber’s entities, including Uber, UberX, Uber POOL, or Uber Eats. Your attorney can verify this to make sure information such as Uber app and GPS data remains preserved, as it can be used to determine if the driver was on the clock or not.
Confirm the Amount of Insurance Coverage Available
Once you confirm the Uber app was on, coverage will apply as long as the driver is determined to be at fault for the wreck. The amount of insurance coverage depends on the driver’s role at the specific time of the accident. If an Uber driver had accepted a ride or was transporting passengers, Uber may provide up to $1 million of insurance for damages related to the accident. If the app was on but no ride had been accepted, the amount of coverage will be less. Uber Eats also has similar coverage levels. Your lawyer should be able to examine the facts of your accident and determine how much coverage should apply to the case, which will help cover your medical bills and reimburse lost wages. Depending on the severity of the accident and damages, your lawyer may choose to consult with expert witnesses to provide either accident reconstruction or expert testimony. If the Uber policy is not able to cover all of your losses, you could file a claim with your uninsured/underinsured motorist carrier.
Examine All Theories of Recovery
While Uber carries liability insurance on its drivers, an experienced rideshare accident lawyer will still conduct a thorough investigation into all facts surrounding the crash. Uber is supposed to follow certain guidelines in terms of conducting background checks on prospective drivers and making sure their vehicles are fit to transport passengers. In a car accident case, a theory of direct liability against a company could include negligent hiring or supervision. Further, if a product defect contributed either to the accident or your injuries, you may have a valid product liability cause of action. Examples of product liability claims involve airbag defects and tire blowouts.
To recover all to which you are entitled under the law, securing legal representation well-versed in accidents of this nature is crucial. Contact Williams DeLoatche, P.C., and you will speak directly to a lawyer that can help you. We provide personal attention combined with extensive experience. We have worked in the insurance industry and now work representing the injured. Our attorneys will fight for your rights and proper compensation!
Don’t get lost in the crowd! Call us at 757-547-5555!
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