Uber Auto Claims: INSIDER TIPS of Uber Car Accident Claims

Many people use Uber to get around every day—and you may call an Uber without thinking twice. However, what happens when your Uber driver crashes and you get hurt? While you might not have worried about this situation, our attorneys certainly have because we've seen it happen so many times!

 

Our experience handling so many Uber car accident claims has given us INSIDER INFORMATION on how Uber handles insurance and injury claims, so we're ready to go to bat for you if you've been hurt.

 

Our attorneys have been fighting Uber claims for years. We know all Uber’s tricks, and they know who WE are too.

When you are in an accident with an Uber driver or while you were an Uber passenger, you need an Uber accident lawyer from a rideshare accident law firm that knows how to win your Uber claim and get an uber accident settlement.

 

If you are dealing with an Uber car accident claim or other ride request company, call us right now for a free consultation, or reach out online to discuss your case for free.

In the meantime, if you've been injured in a rideshare crash and need to file an Uber claim, here are five insider tips to consider to help you through the complex process.

 

INSIDER TIP #1 - Filing an Uber Insurance Claim is Complicated!

When Uber started, the insurance requirements and liability coverage varied tremendously since rideshares were not regulated. This left an unorganized mess when it came to figuring out how to bring an Uber insurance claim after a crash involving an Uber driver.

Legal matters are complicated further by the question of whether an Uber driver is an employee of Uber or an independent contractor. (Note that drivers of rideshare services like Uber are generally considered independent contractors in most jurisdictions.)

Finally, the amount of injury protection insurance available varies depending on whether an Uber driver is actively driving a passenger or on “standby” at the time of the crash. Depending on the driver's status, different amounts of insurance coverage will apply.

 

INSIDER TIP #2 – Uber Insurance Claims Have Less Coverage When You Are Hit By An Uber Driver In “Standby” Mode

Generally speaking, if you are hit by an Uber driver that is logged into the Uber app but on “standby,” you will likely NOT have access to Uber’s full insurance coverage. Depending on the circumstances, the insurance in place may only be the driver's personal auto insurance with potentially limited amounts of collision coverage and property damage liability.

If Uber insurance coverage does apply, it is usually limited to up to $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident.

NOTE, however – this situation is not always clear! There are situations when there will be a dispute between insurance companies about coverage. For example, if a driver is on “standby” and causes an accident, the Uber insurance claim could be denied because the driver didn’t have a passenger. On the other hand, the driver’s personal insurance could deny the claim arguing that the driver was using the vehicle for commercial purposes!

In a situation such as this, you will need the assistance of an experienced ride share or Uber car accident lawyer to help sort out liability and make sure that your Uber personal injury claim pays for your medical expenses and that lost wages are accepted and paid.

You certainly do not want to have to use your own personal insurance company to cover medical bills. Why use your own liability insurance when you can use Uber's insurance company?