Uber and other ridesharing services don’t always offer fair compensation. A personal injury attorney can help you claim the compensation you deserve.
If you are involved in an accident with an Uber driver, you may be eligible for compensation for damages and medical expenses. Uber insures all drivers while they are actively on shift, which is usually secondary to their required original insurance.
If you have been in an incident, Uber’s insurance policy should cover your damages.
About Uber and Uber Drivers Insurance
Uber drivers are not technically employees of Uber; they are considered independent contractors. This releases Uber from direct liability in the case of an accident. However, some cases did move forward and against the company, and these have been settled out of court.
The insurance and Uber coverage levels differ according to the mode the driver is in at the time of the accident. If the driver is not logged into the app, their insurance’s personal injury protection (PIP) and liability policy apply.
If a driver is logged into the app but has not accepted a fare or does not have a passenger, Uber provides contingency coverage. This coverage includes:
- Up to $100,000 bodily injury liability per accident
- Up to $50,000 bodily injury liability per person
- Up to $25,000 for property damage liability per accident
This coverage only applies if the driver’s insurance policy refuses to pay damages.
If the driver has a passenger or is en route to pick up a passenger, Uber’s coverage rises substantially. This coverage includes:
- Up to $1 million personal injury coverage per accident
- Up to $1 million uninsured or uninsured motorist protection coverage
- Up to $1 million property damage coverage
Uber Drivers Insurance
If you are the driver of an Uber vehicle that was involved in an accident, your PIP coverage should pay out your claim regardless of who is at fault. In Pennsylvania, Uber is also required to provide PIP coverage for drivers.
You may also be able to file a claim against the other driver if they are more than 50% at-fault, especially if you have a limited or full tort insurance policy. If you have a no-fault insurance policy, your options are more limited.
Contact Uber by navigating to Trip and Fare Review in your Uber app, and click I was involved in an accident. Once you share information about the incident, an Uber team member reaches out to you.
Fill out an Incident Report Form, and they will file a claim. You may also be asked for your personal insurance information and a $1,000 deductible.
Uber Car Accidents Can be an Insurance Limbo
The popularity of rideshare apps like Uber are starting to outpace traditional taxi services. Uber offers a cleaner and more comfortable experience, and all their drivers have been through strict background checks. However, accidents happen. A clean car and law abiding driver wont change that.
Which leaves the question, what should you do if you were involved in a car accident with an Uber driver?
The nature of how Uber works has created what seems like an insurance Limbo. This perception is due more to the newer nature of the rideshare business model than any real lack of coverage.
The drivers are classified as independent contractors who are responsible for their own insurance, but as a company, Uber also bears some responsibility when it comes to accidents.
Depending on which state, the level of liability an Uber driver or the company is responsible for can vary. Rest assured though, if you are injured in an accident involving an Uber car or driver, you are legally protected.
Accident Policies According to Uber
New rules both on a company level and with insurance providers have made the waters a little less murky, but many people are still unsure how to handle an accident involving an Uber car. One thing to remember is that an accident victim doesnt have to be an Uber passenger. A victim can be a bystander who has still been injured by a representative or agent of a company while they were performing their duties.
The details on safety found at Ubers website focuses on how it is safe for the user in terms of protecting them from predators and criminals. There is also a page in their drivers resources site that gives general and basic information on what to do in the event of an accident, and they also have a policy in place that states drivers who are involved in too many accidents are dismissed. This is for the drivers though, and there are no solid guidelines given telling injured passengers what to do on Ubers site.
Ubers policies are responsible, but accidents do happen, and those policies are there more to protect Uber than they are to help accident victims.
Uber Passenger Insurance Claims
If you are a passenger involved in an Uber accident, you must first exhaust the PIP coverage on the driver’s insurance policy. If the driver is at-fault or the insurance company refuses to pay, you can file a claim with Uber’s coverage.
If another driver caused the accident, you could file a claim with the at-fault driver’s insurance policy. If you exhaust the limits of this policy, you can also file a claim with Uber.
Some passengers have experienced unpleasant challenges in dealing with Uber’s insurance process. If you have not been compensated for lost wages, medical expenses or other financial or non-economic losses for an injury that occurred during an Uber ride, contact a Philadelphia auto injury lawyer to get help today.
If You Were Hit by an Uber Driver
If you were involved in an accident with an active Uber driver who had a passenger in their car, you likely can file a claim with Uber if your PIP does not cover all your expenses. Sometimes, you may have to start with the driver’s insurance company coverage and move onto Uber’s coverage if the driver’s insurance coverage is exhausted or rejected.
If the Uber driver does not have a passenger or was not on the way to pick a passenger up, you can file a claim against the Uber’s insurance.
Steps to Take For All Uber-Related Accidents
Take pictures of the incident and call the police, so you have a police report. If you believe that the result of the claim is inaccurate and you are wrongfully held responsible for the accident, contact a Philadelphia car accident attorney to get help retrieving compensation.
Uber deals with a lot of claims daily and may try to push a settlement before you are aware of the full extent of the damages and injury. Likewise, the driver’s insurance company may offer an unfair, low-ball offer. Don’t settle for less than you deserve.
Steps to Take if You've Been in an Uber Accident
The way to handle an accident involving an Uber car is the same as any car accident.
- First and foremost, keep yourself safe and stay calm.
- Move your car out of the way of traffic, if possible.
- Immediate medical attention should be sought for anyone with serious injuries, and always be aware of any signs of internal damage. Accident victims should be examined by a medical professional as soon as possible, after the accident. Some injuries, even serious ones, may take days or even weeks before they become apparent. By that time, the insurance companies will be able to say that the injury you sustained was caused by something other than the wreck with the Uber vehicle.
- Next, make sure to document the scene of the accident to the best of your ability, including taking pictures of the vehicles and everyone involved.
- Get all the important information such as the drivers name, the license plate of all the vehicles that were part of the crash, and the contact info of any witnesses.
Remember that this is an accident scene, and everyone must remain there until the police arrive, unless there is a severe injury requiring medical treatment or there is a threat of violence due to road rage. Just because a rideshare vehicle is involved doesn't change the law.
Additional Steps for Uber Accidents
In the case of an accident involving an Uber vehicle, the injured person may be contacted by representatives of three different parties the Uber driver, Uber the company, and their own insurance. Often these insurance companies will try to get an accident victim to sign an agreement that limits their settlement and prevents them from taking further legal action.
One important thing to remember is to never agree to anything an insurance company offers, until youve spoken to a lawyer, no matter how fair it may sound on its surface. And most of all, never admit fault, even in jest. An offhand comment like, I should have paid more attention to where I was going, said in an attempt to ease the tension of a situation can be enough to have any claim dismissed, no matter how valid.
Who Should I contact if I was in a Ride Sharing Accident ?
Hire a Personal Injury Lawyer - Uber likes to let its drivers give the company an image of being a bunch of hard working men and women making extra money with a side job.
While this is true about their drivers, Uber is a large corporation with an army of lawyers and lobbyists working to make sure that things go their way in court and that new and existing laws are interpreted in a way that favors them. Everything they do is in their own self-interest, including how they treat those who have been injured by one of their drivers or as a passenger in an Uber vehicle.
If you have been involved in an Uber-related accident and you are facing difficulties getting fair compensation, contact Philly Injury Law today at (215) 735-4800.