Uber and to a lesser degree Lyft have taken the taxi world completely by storm. In only a decade, they have managed to go from a novelty to Uber carrying in excess of 15 million passengers every year in dozens of countries around the globe. The question is occasionally asked: How many accidents their over a million drivers suffer each year? Uber does not share such statistics with the public to date.
What we do know is that for the year 2016, there were only 10 accidents involving fatalities. Yet it is safe to say that as the number of Uber and Lyft ride shares increases, the sheer quantity of accidents in which they are involved is also rising. This has created demand for the ridesharing accident lawyer. We look at the right procedures you should undertake if you are involved in one of these accidents in this article.
What To Do In an Uber Accident
Uber the company actually gives three simple steps that you should follow should you as a passenger become involved in an accident in one of their vehicles. They ask that you follow these three steps if you are in such an accident:
1. Make sure that everyone involved in the accident is safe.
2. Call the police and any other necessary first responder services such as the paramedics if they are needed.
3. Contact the company as soon as reasonably possible.
This does not mean that you have to call them on your mobile phone though. You can log into the app or website and go to the Trip Issues and Fare Adjustments Menu. Under this, you may select the “I was in an accident” option. Pop-up menus will take all of your information as you explain to them what happened. Be certain that you picked out the correct ride share trip and provide all relevant information in this place. The company assures that one of their team members will contact the parties involved to ensure that every one is safe and to obtain any other needed information. After you have done this procedure, you can call your own ridesharing accident lawyer if you feel it necessary.
Uber promises that they will issue you a trip refund once you make them aware of the accident in their vehicle. One of their insurance agents will also call you to verify all supplied details are correct. Naturally the process is much easier if no one was injured. If someone was injured, this is the best time to contact a uber accident lawyer. Yet in either case, you still need to be aware of Uber’s rules and insurance policies in the event of an accident.
Uber’s Insurance Rules
Uber has a unique insurance system at play with its drivers. The driver himself will be required to maintain his own personal car insurance policy to be a driver for them. Yet the company knows better than to rely on an individual’s driver insurance policy, which is why they cover all of their drivers with a policy that is the same across the company. This coverage does vary based on what the driver’s status proves to be when the accident occurs though.
Every Uber accident lawyer will know that these policies break down into several stages. In the first one, the Uber driver has no passengers yet. He is available on the app and waiting for a customer of the company to ask for a ride. At this point, he has $50,000 maximum liability damage coverage from the company policy covering his vehicle.
In stage two, a customer requests a ride and the Uber driver takes the assignment. He then has this insurance policy increase to a one-million-dollar coverage from this point until he drops off the customer at his or her destination. This million-dollar coverage includes you and any other passengers under its coverage. This impressive coverage is delivered by the corporate insurance carrier for Uber— James River Insurance. An Uber accident lawyer will be best qualified to obtain maximum injury compensation from this policy in the event of an accident.
As every Lyft accident lawyer is well aware of, Lyft and Uber decided to insure all of their own drivers with the policy as they knew that no individual’s personal car insurance coverage will honor any claims made when the individual is being paid to drive or engaged in commercial driving. Originally, Uber tried to assert that all of its drivers were merely independent contractors who were responsible for their own insurance coverage. The company policy changed abruptly following a new law that became introduced after an Uber accident involved a six year old girl who was a passenger.
Filing A Claim After an Uber Accident Occurs
The good news is that if you suffer an accident while you are a passenger in an Uber or a Lyft vehicle, then you will obtain compensation for any and all injuries. When the other driver was responsible for the accident, then you can also file a claim with that person’s insurance company and coverage. When the Uber driver was at fault in the crash, you would be legally able to obtain compensation from Uber and the driver responsible. It is not important who receives the at fault blame for this accident. You as a passenger are completely protected whether the responsible party was the other driver or the Uber or Lyft driver.
In any case, you should always plan on taking photos or making videos of the accident in which you were involved and in particular of any bodily injuries you sustained. Such photos are extremely helpful when you submit an insurance claim, as any Lyft accident lawyer knows well.
What You Get From Filing a Claim
When you file your claim, you will receive appropriate compensation for injuries suffered. This includes (but is not necessarily limited to) all of the following:
- Hospital expenses
- Medication costs
- Surgery fees
- Physical therapy sessions
You will also receive compensation for any income that you lost for days that you could not work because of either recovery time or the severity of the injuries. This applies to both future days’ income and past wages as well. Personal items that became destroyed or damaged in the wreck will also be completely covered on a replacement cost basis.