What to Do Immediately after an Uber Accident
An Uber vehicle becomes involved in a car crash while transporting a passenger. What should the passenger do if:
(A) The car is damaged but there is no serious personal injury, or
(B) The crash causes personal injury?
In both scenarios, the passenger should:
(1) Stay on the scene.
(2) Present identifying data to the police.
(3) Describe any injuries suffered.
(4) Obtain medical attention treatment right away if necessary.
(5) The passenger should call Uber customer service, tell them what happened, and ask for insurance contact information.
In scenario A, the Uber vehicle collides with another vehicle, causing only property damage. The drivers trade insurance information, and their insurers attempt to resolve the property damage claim.
In scenario B, the Uber crash causes personal injury, the injured passenger sues Uber, and its liability insurer settles the claim. However, insurance carriers tend to minimize settlement offers to unrepresented claimants acting on their own. This is why it's better to consult with a personal injury lawyer Washington DC trusts and best to have the attorney's assistance. Having their legal representation throughout the legal settlement negotiation process is important. Very often it can break down. In legal matters, there is no substitute for the advice and advocacy of a skilled, experienced attorney.
Uber Liability Insurance
Uber drivers who are not available to pick up passengers must have their own auto insurance coverage. However, when they are working as an Uber driver the insurance coverage automatically changes:
- When they available but do not have a passenger, they have personal insurance coverage plus additional Uber contingent liability coverage of up to $50,000 per injury for a total of $100,000 and up to $25,000 in property damage for what the driver's personal insurance doesn't cover.
- Drivers with passengers are covered by a $1 million liability policy and a $1 million uninsured/underinsured motorist policy.
Uber's insurance covers up to $1 million for passenger injuries if caused by another driver who is uninsured or underinsured. Uber insurance won't cover passenger injuries, however, if caused by the Uber driver's negligence. In that scenario, the driver would be held liable for the passenger's injuries.
If a pedestrian or an occupant of another car suffers an injury in a crash with an Uber driver working as an independent contractor, Uber insurance covers the personal injury claim for as much as $1 million. If the driver is an Uber employee, Uber is responsible for damages they occur on the job while the driver is acting on their behalf.
If you have been in an accident involving an Uber driver, because every situation is unique, it's wise to consult a car accident attorney to protect your rights.
Thanks to our friends and contributors from Cohen & Cohen, P.C. for their insight into what to do if your uber has been in an accident.