Uber is a great way to get around, especially in areas that have little-to-no taxi service available. But, what happens when that rideshare experience turns into a catastrophe?
When you climb into an Uber, the last thing that you expect is to end up injured in an accident. But, what do you do if your Uber is involved in a collision with another vehicle? How do you handle insurance coverage? Who’s responsible for paying for any potential medical bills and damages? When you’re involved in an accident as an Uber passenger, you want to make sure that you keep your health at the forefront of your mind while trying to collect as much information as possible.
Understanding Uber’s Insurance Coverage
Uber’s insurance coverage works in three stages. Understanding these stages is critical for those involved in an Uber-related collision.
- Offline: If an Uber driver doesn’t have their app open and they aren’t looking for passengers, they aren’t considered to be working. So, Uber’s insurance will not cover them. The driver’s personal insurance will be their only line of protection.
- App on: When an Uber driver has the Uber app open, and they are currently looking for a request but have yet to accept one, they are covered under Uber’s liability insurance. The liability insurance during this stage is 50/100/25 coverage. This means that the liability insurance covers $50,000 per person, $100,000 per incident (or injury,) and $25,000 per property damage.
- Request accepted and on trip: Once an Uber driver has accepted a request they are covered under Uber’s $1 million liability insurance. This includes the drive to the passenger and the entire ride with the passenger.
If you’re a passenger, you will be riding in the vehicle when the driver is covered under Uber’s $1 million liability insurance. Since the driver has picked you up as part of a request, you are covered by Uber’s insurance.
What to Do If You’re Injured in an Uber Collision
Being injured in an accident is terrifying. It’s critical that you seek medical help immediately if you feel “off” or in any pain after a crash. Here’s what you should do right after the accident.
Seek Medical Attention
If you feel any kind of injury after an accident, seek medical attention immediately. If you’re stable, check to make sure that the other passengers are safe and that no one is severely injured. Call 911 for medical care and to report the accident as soon as possible. Do not attempt to “deal” with the injuries and shake them off. Not only is it critical for your health, but having any medical issues documented will also prove as evidence of injury. The safest bet, even if you don’t think you’ve been injured, is to allow an emergency responder to check you out.
If you’re stable and no other passengers are injured, attempt to exchange information with all parties involved. Here is the information that you will want to exchange:
- Contact information for all parties affected
- The full names of everyone involved
- Driver’s license number and license plate number
- The exact location where the accident occurred
- The make and model of the Uber vehicle and all other vehicles involved in the crash
Do not seek to discuss fault with the other parties involved. Even if the accident was a result of the Uber driver using his phone while driving (as is often the case) or the cause of the accident seems obvious, don’t bring up fault. This is neither the time nor the place, and arguing over fault could lead to further issues post-collision.
Once again, only do this if you are stable and your injuries are not severe. Try to gather evidence that could prove beneficial to you should you have to pursue action to pay for medical bills, lost wages, and pain and suffering. Here’s are some things you could do to collect evidence:
- Take pictures of the scene. If you have your phone with you, take pictures of the scene of the accident from various angles. Make sure to include the damage to the vehicles.
- Take pictures of licenses. Try to take pictures of the driver’s licenses of both drivers as well as their license plates.
- Get the names of witnesses. Take down the names and contact information of any witnesses to the accident. This could prove useful if you are forced to pursue legal action.
You May Have to Contact Your Insurance Agency
If you have personal medical coverage insurance, you may want to contact your insurance immediately after the accident to help you pay for your medical damages. If you have any doubt about whether to contact your health insurance company, speak with an experienced Uber accident attorney right away.
Contact an Attorney
After you have received medical treatment, contact a lawyer an attorney with experience representing clients in Uber-related accidents. The law surrounding rideshare services is new and still developing. It can be important to have skilled help navigating this uncertain legal landscape.
Do not try to fight with Uber’s insurance company alone. They do not have your best interests in mind and may focus on saving themselves as much money as possible rather than paying you what you deserve. They may go so far as to downplay your injuries or even shift some of the blame for the accident towards you. Instead, contact an attorney and let the attorney do the negotiating with the insurance company.
Remember, you may be covered under Uber’s $1 million liability insurance. If you were not at fault for the accident and you are injured as a result of the accident, you might be entitled to compensation for medical debts, lost wages, and pain and suffering.
Find Someone Who Understands Your Situation
If you have sustained an injury as an Uber passenger, don’t wait! Get in touch with someone who has a history of representing clients in your situation. Contact Uber Car Accident Law at (305) 964-8806 or email us to schedule a free consultation. Don’t let Uber’s insurance try to bully you into taking less than you deserve!