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 in 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. If you are in an accident with an Uber driver or while you were an Uber passenger, you need a law firm that knows how to win your Uber claim. If you are dealing with an Uber car accident claim, call us right now for a free consultation at 1-800-898-4877 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 varied tremendously, and 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 insurance coverage 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 coverage in place may only be the driver's personal insurance coverage. 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 such a situation, you will absolutely need the assistance of an experienced ride share or Uber accident attorney to help sort out liability and make sure that your Uber claim is accepted and paid.
INSIDER TIP #3 – When the Uber Driver Has a Passenger, Your Uber Claim Should Qualify For the Maximum Amount of Coverage
The good news is when the Uber driver has a paying passenger on board, there is probably going to be coverage of $1,000,000.00 for the accident. This is true whether you are hit by an Uber driver or if you are an Uber passenger when your driver causes the wreck. Additionally, if the Uber driver hits a pedestrian or bicycle rider, the same coverage would apply to those claims as well.
Keep in mind just because the insurance coverage is there, you will still have to fight to prove your losses and financial damages! Uber and its insurance company are well known for playing “hardball” to minimize Uber accident claims. With any Uber claim, the help and advice of an experienced Uber personal injury attorney will be key to maximizing your recovery.
INSIDER TIP #4 – Special Rules Apply to Hit and Run, or Uninsured Uber Insurance Claims
It is quite common for Uber drivers to be in accidents with drivers who “hit and run” or do not have any insurance coverage of their own. Sometimes the at-fault driver will have only minimal insurance coverage, and your injuries and damages may be substantial. In these situations, Uber provides that same $1,000,000.00 coverage for uninsured or underinsured motorists.
The Uber claims process is complex, and the laws relating to coverage for these situations vary from state to state. The fundamental insurance company response, however, remains the same. No matter which company or insurance carrier has coverage for the claim, they WILL fight tooth and nail to pay you as little as possible on your Uber claim. Sometimes, they will argue about whether they owe anything at all.
INSIDER TIP #5 – You May Be Able to Bring a Claim Against Uber Directly and/or the Negligent Driver
In most cases, insurance can cover your damages to an extent. If it doesn’t, you may be able to sue the driver or the company directly. Bringing an Uber claim for negligence is possible if you can prove that the Uber driver has a history of reckless driving that the company knew about.
Uber is responsible for checking its drivers' backgrounds before allowing them to work through the Uber app. If Uber isn't diligent enough or ignores a negative driving history, it may be held responsible for the crash and your injuries.
However, Uber is a large company with a team of experienced attorneys. If you plan to bring an Uber claim directly against this ridesharing giant, you will need legal assistance.
BONUS TIP – Work With the BEST Lawyer Possible When You File an Uber Claim!
Uber may provide some insurance to cover its drivers and passengers, but the company does so because it is required to—NOT because it cares. If you were injured as an Uber passenger, having a $1 million policy limit means that your case likely will be covered within the policy limits, which is one piece of good news. Accident victims who suffered catastrophic and life-changing injuries may have an Uber insurance claim that exceeds $1 million in damages, but most accident victims' losses will fall within these policy limits.
Just because the policy is substantial does not mean that you will automatically receive what you deserve. Instead, Uber and its insurer are all trying to cut costs by avoiding liability WHENEVER POSSIBLE—just like any other car insurance case. That’s why you need an experienced Uber personal injury car accident attorney going to bat for you.
Our attorneys will first fight to make sure you have the maximum amount of coverage available for your Uber claim. More than that – we will FIGHT to recover the FULL amount of money you deserve in your Uber accident claim. Just like any other auto insurance accident claim, sometimes the insurance company will simply refuse to offer a fair amount even when a high policy limit exists. Trust our experienced Uber claim lawyers who know how to fight and win Uber claims battles!
Our Uber Insurance Claim Attorneys Are Here to Help
The attorneys of Stewart J. Guss, Injury Accident Lawyers, are nationally recognized car accident lawyers who have protected the rights of injured car accident victims for more than 20 years. We’ve been fighting Uber injury claims almost since Uber opened for business! If you were injured in a car wreck with an Uber driver, or you were injured as an Uber passenger, call our office today to schedule a free consultation!
Because we take all of our personal injury cases on a contingent fee basis, you will not owe us a DIME unless we win your case. To schedule your case evaluation, call us today at (800) 898-4877 or reach out online now.