Ridesharing apps like Uber and Lyft have revolutionized the transportation industry. Gone are the days when you have to arrive at a city and hope for a cab, or worse, take the bus or rent a car to get to and from your destination. With the touch of a finger, you can have a car to fit your entire party waiting for you when you need one. There is one question that comes up more often than not when it comes to ridesharing.
What happens when you are a passenger in an Uber car accident?
If your Uber driver is in an accident, the first thing you should do is remain calm and call 9-1-1. A police report is always helpful for insurance companies in making a decision whether to cover the costs of any medical expenses you as passengers incur. Once the police arrive, give a truthful statement of what happened from your perspective. They will also question the drivers involved and fill out a detailed report. As a passenger, be sure to take note of the officer’s name and badge number and police report number so you can request a copy of the police report if needed.
If you have sustained injuries as a result of the accident, be sure to travel to the hospital for a thorough examination. The doctors and nurses who attend you will make a note of the date, time and injuries you have sustained. This information will be vital when it comes time to file a claim with an insurance company. Which brings us to another question:
As an Uber car accident passenger, whose insurance pays for my medical care?
This is where things get a little sticky.
According to Uber, your driver is an independent contractor. As such, he or she must maintain his own vehicle, license, and insurance. This designation as independent contractors also shifts the responsibility of the company to the driver. You see, a company is only liable for the actions of their employees, not the actions of their independent contractors. In theory, this means that if you are injured in an Uber accident, the driver’s insurance should cover any medical expenses. However, that does not stop Uber from carrying a $1 million insurance policy to cover incidents and accidents their drivers are involved in. The insurance labyrinth two policies create does not really serve to cover the victims in an accident but rather results in shuffling around of blame, responsibility and ultimately payment.
If you are in an Uber car accident, do not speak to an insurance company without first getting the advice from an experienced car accident attorney who can guide you through the settlement process. As soon as you accept money from an insurance company, the case is likely considered closed. Likewise, the sooner you contact an Uber accident attorney, the sooner you can get on the road to healing from your injuries without worrying about medical expenses or time lost from work. Call the Virginia, Maryland, and Washington, DC Uber car accident lawyers at The Elan Law Firm today to discuss your case.