Injured in an Uber Accident? Here’s What You Need to Do!
Uber is probably the most used ridesharing app today. Its business concept revolves around allowing taxis and private vehicle owners to locate better and pick up passengers using an app connected to a central system. As an app, Uber is low cost but promises easy accessibility for both drivers and passengers. But regardless of how sophisticated the technology it uses, Uber cabs are still not immune to road accidents.
Here lies the dilemma. You see, Uber introduces a new liability issue as it is not the owner of the taxi service. Instead, it is merely a liaison that bridges the interaction between users and drivers. Therefore, if you were involved in a road accident with an Uber can, which insurance provider will you seek compensation from?
Here are some steps on what you can do.
1.Don’t leave from the scene of the accident.
Call your boss that you’re going to be late for work or a friend that you won’t meet him on time. You should stay at the scene of the accident until police arrive. Gather evidence and information from eyewitnesses, and then relay them to the police in an official statement.
If you were injured, regardless if it’s minor or life-threatening, call 911 and watch for the medical team.
2.Collect critical information.
Do not leave anything out. Collect detailed information from everyone involved in the crash, such as your Uber driver, and the driver of the other party. Secure the name and contact information of witnesses. If you have your phone with you, take photos of the incident and your injuries, too.
3.File a report with Uber.
Other than the police and your insurance company, you also have to let Uber know what happened. To do this, open the Uber app from your device, and go to “Trip Issues and Fare Adjustments.”
Include an accurate and comprehensive description of the accident. File a report as soon as possible because delays might hurt your chances of getting coverage.
After submitting your report, an Uber representative will contact you through your indicated contact channels. That representative will ask you to fill out a Report Form, which is required to file an insurance claim. Uber will then notify your insurance company of an investigation. The results of the investigation will determine the type of coverage that is available for you.
However, Uber requires you to pay a $1000 deductible if your insurance company includes a physical damage coverage.
What does Uber Insurance cover?
Uber’s insurance coverage is in effect the whole time a driver is on duty. The liability insurance can reach up to $100,000 if the driver is online but without a passenger, granted that personal insurance does not cover him.
Uber’s driver liability extends to a third party, or the passenger, from the moment the driver takes the call until the passenger exits the car.
Here’s the catch: liability coverage is only available for damages incurred when using UberX and UberPOOL services. Therefore, if you are in a crash involving UberSUV, UberBLACK, and UberTAXI, your insurance will take precedence.
You cannot sue Uber for damages that are more than one million dollars, even if it’s the Uber driver’s fault. Uber does not treat their drivers as employees, but as contractors, therefore liability is out of the question.
To receive compensation for injuries sustained in an accident involving Uber drivers, it is best that you get contact an experienced attorney for help.