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. Uber and other ridesharing services don’t always offer fair compensation. A Philadelphia auto injury attorney can help you claim the compensation you deserve.
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.
As soon as the accident occurs, make sure everyone involved is safe. Contact emergency services immediately, even if everyone seems unharmed. A police report may come in handy for your claim.
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 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.
Who Should I contact if I was in a Ride Sharing Accident ?
If you have been involved in an Uber-related accident and you are facing difficulties getting fair compensation, contact the Law Offices of Joel J. Kofsky today at (215) 735-4800.