An uber accident differs from other types of accidents on several levels. A person can be involved with an Uber driver on duty, and that could change the dynamic of the scenario. A person could be involved in an at-fault accident, and the issue of coverage for any injuries could be a serious matter to resolve. Here is how an uber accident is different from the normal accident.
How would you pursue an uber accident claim?
In an accident, there may be too little insurance available to handle an Uber claim. In some states, the liability limits are low and only enough to cover serious injuries. If the Uber driver was at-fault, you could pursue a claim through Uber. Uber’s liability protection addresses accidents of this nature. An attorney like those at Hunter Law P.A. will assist with investigating the accident and filing the claim.
How liability works
In a regular accident where it is just you and the other party, your two insurance companies would be the only two parties involved. If there were a commercial truck driver involved in an accident, the company’s insurance, the driver’s insurance, and your insurance company would all get involved. This is how the Uber accident typically plays out. If the other party is an Uber driver, Uber could potentially be liable if anything occurs. Should both parties be negligent and partially responsible for the accident, all insurance parties connected to the incident could be held liable.
Insurance variables
One of the most common problems in an Uber accident is determining who is responsible for the accident. Whether or not the Uber coverage of the Uber driver’s private insurance policy should handle the claim is a typical claim when an accident happens. If the driver has a commercial policy, the accident may be completely covered by the driver’s insurance policy.
What was the Uber driver’s status at the time of the incident?
The login status of the driver at the time of the accident is a factor. The Uber driver could be logged in waiting for a passenger to arrive when the accident happens. This affects liability. If the person is an Uber driver but isn’t officially logged in, any accident where the Uber driver was at fault would be covered by the driver’s personal policy. If the driver is logged into the app, Uber will likely cover any accident claims if the driver is at fault and doesn’t have commercial liability insurance. The Uber driver’s private policy covers any injuries or vehicle damage for the driver.
How does the uber insurance program work?
The typical policy for the Uber driver is $15,000. The Uber driver’s policy provides coverage for up to $1 million. This is higher than most the policies held by Uber partners. The Uber policy will also cover uninsured motorists or drivers. The high amount of protection provided to the typical driver works to the other party’s advantage if not at fault.
Uber policy details
• $50,000 is allotted for each individual who was injured in an accident
• $100,000 is allotted for covering each person injured in an accident for the other driver involved in the accident
• $25,000 covers any property damage affecting the other party’s vehicle
Are you entitled to compensation?
There are several primary conditions that need to be met. Attorneys like those with Hunter Law P.A. will examine the case to assess the conditions surrounding the typical accident. The Uber driver should be at fault. The second condition that must be met is that the other party must have sustained an injury. Passengers that are present in either vehicle will be entitled to compensation if involved in an Uber driver accident where injuries were sustained.
Examining liability is the first step that is taken by a Hunter Law P.A. specialist to determine who should be responsible for any injuries or property damage resulting from an Uber driver accident. If a person is injured in an accident caused by an Uber driver, the company goes out of their way to ensure that the claim is processed efficiently as possible.