Car Accident While Using Uber: What is Next for Me?
Over the last few years, we have seen a lot in terms of transport changes. There has been the introduction of Uber and other related ridesharing services such as Lyft. All these apps allow you to share your car with someone and take them to their destination at a fee. These ridesharing apps make getting to your destination a lot cheaper in comparison to a conventional taxi. Also, they can be faster thanks to matching you with a driver close to you.
Despite having all these various benefits, the ridesharing apps are not free from having problems. The most common problem will be, who do you sue whenever an accident occurs. As a passenger, are you even protected while using the Uber service?
The Uber Insurance Policy
Whenever you get into an accident, Uber is likely to provide you with a refund for the trip. However, you will have to inform them about the accident immediately. You can do this by leaving a comment about the accident and submit the feedback report. Another option is to notify the company under the “Help” section. Once Uber receives the complaint, an insurance agent will be in touch to verify the details of the accident.
For those who do not suffer physical injuries, the process can be easy. In case you get hurt, then the process can easily get complicated.
You first have to understand the insurance policy that Uber provides before filing a claim for compensation. As much as the Uber driver has a personal insurance policy, Uber also extends this policy by providing more cover. However, the Uber cover comes with some conditions.
The conditions of the Uber policy are that the driver is only covered up to $50,000 liability damages when he or she is logged in and waiting for the customer. When the customer requests a ride and until the customer gets to the destination, the cover increases up to $1 million. At this point, the cover will also protect the passenger in the car.
The reason Uber provides the additional insurance cover is because their personal insurance policy does not cover their commercial activities. Initially, Uber did not cover drivers, as they are independent contractors. However, that had to change with more states and countries, introducing laws to protect the drivers and passengers.
Is Uber dangerous for passengers?
Uber is an app that will only work on a smartphone. As such, this can lead to possible driver distraction from the road. The driver has to keep on checking the route to take based on the GPS information. Also, the driver has to do the same when accepting requests from new customers. It still applies when the driver has to reroute to a different location, depending on the client’s needs.
Sometimes the Uber driver might not report the accident to the company. It might lead to confusion when the passenger is expecting some form of compensation for the accident. Later, when the passenger requests for compensation, there will be no record of the accident.
Filing an insurance claim
When you get into an accident while in Uber as a passenger, you have the right to file a claim and get compensation for the injuries. If the other driver is the one at fault, you can file a claim against his insurance policy. According to Uber policies, it does not matter who is at fault; the passenger is always protected and can request for compensation.
If you have to file a claim, it is best to involve a personal injury lawyer with experience working on Uber related cases.
Such a lawyer will increase the chances of you getting the settlement. Remember that not all cases end with compensation, as Uber also tries to fight these cases.