Uber has changed the way the world works. In fact, last year, CNBC named Uber the second most disruptive company in the world, right behind SpaceX.
With approximately 15 million Uber trips completed every single day, it’s statistically likely that at least a few of them will be involved in a collision. Most of us hop into the car without giving it a second thought, but what would you do if you were involved in an Uber accident?
How would you pay your medical bills? Who’s responsible for your injuries? Here are the basics you need to know about how (and when) to file an Uber accident lawsuit.
A Summary of Uber’s Insurance Coverage
According to the Uber website, the company offers tiered insurance coverage depending on what the driver is doing at the time of the accident.
When the Uber app is off, the driver’s personal insurance coverage applies. Uber provides a limited amount of coverage when drivers are available or waiting for a ride request. Once a ride is accepted, Uber’s coverage kicks in, covering the driver and passengers with $1 million of third-policy liability and uninsured/underinsured bodily injury coverage.
Who’s Liable for Uber Accident Injuries?
The problem you’re likely to run into is the question of who’s insurance is liable for covering your injuries. Since Uber considers their drivers “independent contractors” instead of employees, there’s a good chance that Uber’s insurance will tell you that you need to file a claim directly with the driver’s insurance company.
Unfortunately, the driver’s insurance company may deny the claim, since many traditional policies exclude coverage for anything that happens while working as a “driver for hire.” While the two sides battle it out, you’re likely to be left in the lurch, without the financial compensation you deserve.
When to Consider Filing an Uber Accident Lawsuit
If you’re getting the run-around while trying to file your claim, don’t give up. Instead, this is a good indication that it’s time to contact an Uber accident attorney. Nobody expects you to know which insurance company to sue, but an attorney experienced in these types of cases can help make this decision based on the specifics of your case.
To further complicate matters, the employee-vs-independent contractor battle continues to wage on between Uber and its drivers. Any future status changes would likely also change the process for filing claims and lawsuits. This is yet another reason why it’s better to trust your case to the professionals rather than trying to handle it yourself.
Were You Injured in an Uber Accident? We Can Help!
If you’ve been injured as an Uber passenger and aren’t having any luck with the insurance companies, it’s time to consider filing a claim. Don’t settle for just any attorney when you could hire an Uber accident lawsuit specialist.
Contact us today to discuss the details of your case so we can help you decide on your next steps.