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Uber has an insurance policy in case of accidents. One of the most common is the $1M insurance policy to cover accidents where their drivers are involved.
Below is an overview of how the policy works.
If the accident occurs when the Uber app is off and the driver is not actively using the application for ride-sharing purposes, Uber does not pay for anything. In this case, the driver’s auto insurance policy is utilized. Generally, Uber’s insurance policy will not cover accidents occurring during this period.
The second scenario is when the Uber app is on, but the driver has yet to accept a ride request. Uber’s contingent liability coverage may apply if an accident occurs under these circumstances.
The coverage fills gaps in the driver’s insurance. It provides up to $50,000 in bodily injury per individual, $100,000 in physical harm per accident, and $25,000 in property damage per accident.
Uber’s commercial auto insurance policy is in effect when the driver has accepted a ride request and is en route to pick up a passenger or during the ride. The policy offers up to $1 million in liability coverage, which includes bodily injury and property damage per accident. It can also include uninsured and underinsured motorist coverage as well as contingent comprehensive and collision coverage for the vehicle.
It’s important to keep in mind that the insurance coverage provided by Uber can vary depending on the location. Uber also changes their insurance policies from time to time, so one needs to stay updated.
Responsibility for covering damages in an Uber accident depends on the circumstances of the case and when the accident occurred. Here’s more on who is responsible for covering damages after an Uber accident.
The driver’s personal insurance covers any damages if an Uber accident occurs when the driver’s application is turned off, and they’re not actively using it for rides.
Uber offers contingent liability coverage if an accident occurs when the driver’s Uber app is on but they have not accepted a ride request.
When the driver accepts the ride and travels to pick up the passenger, and an accident occurs during this period, the commercial insurance policy works. It covers bodily injury and property damage.
Another critical thing to remember is that responsibility for covering damages can also depend on factors like who’s at fault in the accident, local laws and regulations, and the specific insurance policies in place.
One should contact Uber and their insurance company to report the incident immediately if they are involved in an Uber accident. Uber investigates the problem and determines the insurance policy that applies depending on when and how the accident occurred.
It’s also necessary to seek the guidance of an experienced attorney for advice and assistance with any legal requirements.
Various parties may be eligible for compensation for the injuries and losses incurred in an Uber accident. Below is more information on these individuals.
If a passenger is injured in an accident while using the Uber app, they can receive compensation. They should claim compensation for the medical costs, lost wages, pain, suffering, and any other damage resulting from the accident. Victims should report the issue on time to receive appropriate compensation.
Uber drivers are also eligible for compensation if they’re involved in an accident when ferrying a passenger or on their way to pick them up. The driver should report the accident to Uber and their insurance company because more factors may influence the coverage.
Other passengers and drivers not associated with Uber can also be compensated after an accident. In this case, the ability to receive compensation depends on the party at fault and the Uber driver’s insurance coverage. If the Uber driver is at fault, the victims should file a claim against Uber’s commercial insurance policy and the driver’s insurance.
Sometimes, Uber drivers hit pedestrians and cyclists using the road. These parties can seek compensation for any damage that happens in the accident.
Accident cases always vary. However, some factors influencing eligibility for compensation include the insurance policies, the parties involved, and local laws and regulations.
If one finds themselves in an Uber accident and believes they’re eligible for compensation, here’s what they should do:
Although not often common, Uber accidents may occur, leaving the victims with injuries. The victims should seek compensation for damage, which they can receive from the driver’s personal insurance company or Uber. Reach out to Rafi Law Firm for help with Uber accident cases.
Work with the Macon’s Best Car Accident Lawyer
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Rafi Law Firm is here to help you through an accident. We have years of experience as car accident attorneys that can fight for you and your loved ones after an accident. Don’t delay your opportunity to receive compensation for injuries after an accident. Contact our knowledgeable attorneys to discuss your case today.
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