Many people use Uber to get around every day—and you may call an Uber without thinking twice. However, what happens when your Uber driver crashes and you get hurt? While you might not have worried about this situation, our attorneys certainly have, because we’ve seen it happen so many times! Our experience in handling so many Uber car accident claims has given us INSIDER INFORMATION on how Uber handles insurance and injury claims, so we’re ready to go to bat for you if you’ve been hurt.
Our attorneys have been fighting Uber car accident injury claims for years. We know all Uber’s tricks, and they know who WE are too. If you are in an accident with an Uber driver or while an Uber passenger, you need a law firm that knows how to win those cases. If you are dealing with an Uber car accident claim, call us right now for a free consultation at 1-800-898-4877 or contact us by clicking HERE to discuss your case for free.
INSIDER TIP – Uber Insurance is Complicated!
When Uber started, the insurance requirements were all over the place and not regulated, which left an unorganized mess when it came to figuring out who and how to sue after a crash in which an Uber driver was involved. Things are complicated further by the question of whether an Uber driver is an employee of Uber or an independent contractor. (Note that drivers of rideshare services like Uber are generally considered independent contractors in most jurisdictions.) Finally, the amount of insurance coverage available varies as to whether an Uber driver is actively driving a passenger or on “standby.”
INSIDER TIP – When You Are Hit By An Uber Driver On “Standby”
Generally speaking, if you are hit by an Uber driver that is logged into the app, but on “standby,” you will likely NOT have access to Uber’s insurance. In this situation, the insurance coverage in place is the personal insurance coverage of the driver. NOTE, however – there is a danger here! There are situations when there will be a dispute between insurance companies about coverage. For example, if a driver is on “standby” and causes an accident, the Uber insurance could be denied because the driver didn’t have a passenger. On the other hand, the driver’s personal insurance could deny the claim arguing that the driver was using the vehicle for commercial purposes! In such a situation, you will absolutely need the assistance of an experienced ride share or Uber accident attorney to help sort out liability and make sure that the claim is accepted.
INSIDER TIP – When the Uber Driver Has a Passenger
The good news is this – when the Uber driver has a paying passenger on board, there is probably going to be coverage of $1,000,000.00 for the accident. This is true whether you are hit by an Uber driver, or if you are an Uber passenger when your driver causes the wreck. Additionally, if the Uber driver hits a pedestrian or bicycle rider, the same coverage would apply to those claims as well. Keep in mind, just because the insurance coverage is there, you will still have to fight to prove your damages! Uber and its insurance company are well known for playing “hardball” to minimize claim payments, so the help and advice of an experienced Uber personal injury claim attorney will be key to maximizing your recovery.
INSIDER TIP – Hit and Run, or Uninsured Uber Accident Claims
It is quite common for Uber drivers to be in accidents with drivers who “hit and run” or do not have any insurance coverage of their own. Sometimes the at-fault driver will have only minimal insurance coverage, and your injuries and damages may be substantial. In these situations, Uber provides that same $1,000,000.00 coverage for uninsured or underinsured motorists. The situation is complex, the laws relating to coverage for this coverage vary from state to state. The fundamental guidelines, however, remain the same. No matter which company or insurance carrier has coverage for the claim, they WILL fight tooth and nail to pay out as little as possible on the claim. Often times, they will argue about whether they owe anything at all.
BOTTOM LINE – Have the RIGHT Lawyer By Your Side!
Uber may seem to cover its drivers and passengers, but the company does so because it is required to—NOT because it cares. If you were an Uber passenger, the $1 million policy limit means that your case likely will not exceed the policy limits, which is the one piece of good news. Accident victims who suffered catastrophic and life-changing injuries may exceed $1 million in damages, but most people’s losses will fall within this policy’s limits.
Just because the policy is so substantial does not mean that you will automatically receive what you deserve. Instead, Uber and its insurer are all trying to cut costs by avoiding liability WHENEVER POSSIBLE—just like any other car insurance case. That’s why you need an experienced Uber personal injury car accident attorney going to bat for you.
Our attorneys will first fight to make sure you have the maximum amount of coverage available for your claim. More than that – we will FIGHT to get you the FULL amount of money you deserve after an Uber accident. Just like any other auto insurance claim, sometimes the insurance company will simply refuse to offer a fair amount even when high policy limits exist. We know how to fight and win these battles on Uber Claims!
Our Uber Insurance Claim Attorneys Are Here to Help
The attorneys of Stewart J. Guss, Attorney at Law are nationally recognized car accident lawyers who have protected the rights of injured car accident victims for more than 20 years. We’ve been fighting Uber injury claims almost since Uber opened for business! If you were injured in a car wreck with an Uber driver, or you were injured as an Uber passenger, call our office today to schedule a free consultation! Because we take all of our personal injury cases on a contingent fee basis, you will not owe us a DIME unless we win your case. To schedule your case evaluation, call us today at (800) 898-4877 or contact us now by clicking HERE.
