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What Happens If My Uber Is In An Accident

What happens if my uber is in an accident - uber car involved in a minor accident on a city street, with driver exchanging insurance information


Navigating the aftermath of an Uber accident can be confusing and stressful. This article breaks down what you need to know and the steps to take if you find yourself in the unexpected situation of being in an accident while in an Uber.

Immediate Steps After an Uber Accident

Police officer taking notes while speaking to an uber driver at the accident scene

Being a passenger involved in an Car accident can be a bewildering experience. The immediate moments post-accident are crucial, and it is vital to stay calm and respond pragmatically.

First and foremost, assess your safety and the well-being of others involved in the accident. If the situation warrants, don’t hesitate to contact emergency medical services.

Take note of the details of the Uber driver involved and the car utilized for your Uber ride. Make sure to report the accident promptly to local law enforcement authorities for proper documentation.

Should you sustain any personal injury, it is essential to seek immediate medical attention. This not only ensures your well-being but also plays a crucial role when claiming compensation.

Capture as much evidence as you can from the accident scene, such as photographs of the cars involved, the location, and any property damage. Make note of any potential witnesses and their contact information.

It might be disconcerting, but alerting the insurance company promptly along with your accident attorney can escalate remedy processes.

An experienced car accident lawyer can guide you through the complexity of insurance coverage, including the understanding of rideshare policies, liability coverage per accident for Uber and Lyft, and other intricacies of dealing with an auto accident involving a rideshare service.

Understanding Uber’s Insurance Coverage

Close-up of a smartphone displaying the uber app with an accident report form

Navigating the nuances of Uber’s insurance policy is a vital part of comprehending your rights in an Uber car accident. Understanding the specifics can greatly benefit your accident claim.

One of the major points to note is Uber’s 1 million liability insurance coverage for residual bodily injuries or property damage per person.

This coverage kicks in the instant an Uber or Lyft driver accepts a ride request and lasts until the passenger has exited the vehicle.

However, if an accident happens during the period the driver is logged in but has not accepted a ride request yet, Uber’s auto insurance which is secondary to the driver’s insurance, comes into play.

Experiencing an accident in an Uber vehicle or if you get into an accident as a passenger can be quite disorienting.

It’s essential to remember that it warrants the same immediate actions as any other auto accident. Always ensure to file an accident injury report and a police report if you’re involved in a car accident.

In cases where the driver’s insurance fails to adequately cover the accident claim, Uber’s 1 million coverage may serve as an umbrella coverage.

Despite the complications that can arise if your Uber gets in an accident, legal assistance is available, often starting with a free consultation.

Rights as an Uber Passenger

Emergency medical team assisting a passenger near an uber car involved in an accident

When you’re involved in an accident as an Uber passenger, understanding your rights is crucial. If the Uber driver caused the accident, you might be eligible to file a claim with Uber’s insurance company, the driver’s personal insurance company, or both.

It is pertinent that the driver’s involvement in the car crash is properly established. Consult with a survived car accident attorney to ensure this aspect is appropriately handled to allow for the compensation you may be entitled to.

On the other hand, if the other motorist involved in the accident is at fault, then your car accident attorney could assist in filing a claim with that individual’s provider.

In cases where Uber’s insurance policy comes into play, the claim is a bit more complicated, as Uber gets the final say on whether to classify the incident as an Uber or Lyft accident.

Be sure to get all the facts before attempting to navigate this process on your own.

Indeed, understanding your rights and knowing who to contact after being involved in a car accident is necessary to protect yourself.

How to File a Claim for Compensation

Concerned passenger talking on the phone after an uber accident, with the damaged uber car in the background

Navigating the aftermath of an Uber crash can be complex, but there are clear steps to follow for those injured in an accident.

The first crucial step is to report the incident to Uber through their app, and to get photographs of the accident, if possible, for documentation purposes.

Also, injured Uber passengers should be involved and inform their insurance company.

Nevertheless, it’s essential to comprehend that involving Uber and the personal insurance company does not replace the need for immediate medical attention if someone is injured in an Uber.

Uber provides third-party liability coverage which, according to Uber, extends to bodily injury per accident. This particular cover is substantial and can reach up to 1 million per accident.

However, it is also critical to understand that this is solely for cases involving Uber and another driver. Therefore, while being a passenger in an Uber, in the event of an accident, you may also engage your legal counsel to safeguard your rights.

Though practices vary amongst car-sharing services like Uber, securing legal help can simplify issues around injury cases and compensation claims.

Navigating Legal Options Post-Accident

In the unfortunate event of being involved in a Lyft or Uber accident, it is paramount to acquaint oneself with the available legal options.

Initially, the real-time tracking feature in the Uber app played a significant role in establishing the timing and circumstances of the crash.

This digital record in conjunction with obtaining a copy of the police report can contribute substantively to your case.

It is also pertinent to distinguish the different scenarios and rides on Uber to understand the applicable insurance coverages – if the driver may have had a passenger or was in transit to pick up a passenger, or was merely a driver waiting for a request, the liability insurance coverage differs.

Herein lies the importance of grasping Uber’s three-tiered insurance system. At the high end, when a ride is in progress, Uber provides up to $1 million in liability insurance coverage, which includes injury liability per person and property damage liability per accident.

Additionally, if the driver of another vehicle involved in the incident is uncooperative or unidentifiable, the uninsured/underinsured coverage comes into play.

In the worst-case scenario, where the extent of the car accident injury surpasses Uber’s insurance coverage, one viable option is filing a lawsuit against the driver.

To proficiently navigate this complex process and negotiate a rightful claim, it is advisable to work with rideshare accident lawyers who specialize in dealing with Uber and other rideshare driver cases.

Harnessing professional legal guidance can significantly lighten the heavy burden often associated with such unsettling incidences.

Contact Lord, Kobrin, Alvarez, and Fattell for a FREE consultation.
Our dedicated team is ready to fight for your rights.
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