Imagine you are out for a night with friends and it’s getting late. You’ve planned ahead to be responsible and you call an Uber to take you home. As your driver turns into your neighborhood, you suddenly hear a thud and jolt forward. You realize your Uber driver has just been in a collision. What should you do, and what are your rights?
What should you do right then?
This crash should be treated the same as any other collision. First, make sure you and the driver as well as any other passengers are okay and call medical support if necessary. Though as a passenger you are not at fault, it is important the crash is still cited properly by the police. The Police will assign fault to one or both parties which will be important when talking to insurance adjusters. Next, make sure you report the incident to Uber on the app. If you were not injured in the collision, Uber will likely refund your trip and work with you to maintain your customer satisfaction. If you were injured make sure you seek proper medical treatment, a step that is important in any auto accident. You will need to file a claim with Uber in order to receive the compensation you deserve, and reaching out to a lawyer like Franklin D. Azar is an excellent first step in this confusing situation.
How does Uber’s Insurance work?
Uber drivers are covered under three different insurance levels depending on what they are doing. If a driver is not on shift either looking for or driving passengers, they are covered under their own private insurance policy. If they are on shift, but not actively transporting a passenger, they are covered by their own insurance and a $100,000 contingent liability plan provided by Uber. Finally, if a an Uber driver is driving a passenger to their location they are covered by Uber’s Insurance policy which provides $1 million in liability coverage and $1 million in un and under-insured motorist coverage. This can all seem very confusing, but what’s important is what it means for you. If you are a passenger in an Uber, good news, you are covered. If, however, you have a car accident with an Uber driver the insurance situation may be more unclear depending on what they are doing. Either way it’s important to file insurance claims and seek representation if necessary.
What does Uber’s Insurance get you?
In any accident you hope for the best outcome, but the unfortunate reality is sometimes people get seriously injured in auto accidents, and an accident involving Uber is no exception. Uber’s insurance policy will cover up to $1 million dollars in medical damages to the passenger. Here at Franklin D. Azar & Associates, we fight to get you every dollar you deserve. If you’ve been injured in an Uber accident, or any other accident, call us now for a free consultation to help you get the money you deserve.