How Does Uber Insurance Work After a Collision?
As Uber becomes increasingly ingrained in modern transportation options, understanding how their insurance works after a collision is crucial both for drivers and passengers. If you’re involved with or affected by an accident while using the service, it’s important to comprehend what coverage Uber provides and under which conditions such protections are extended through their policies. A Jersey City Uber accident lawyer can help you understand your options following a collision.
Uber Insurance Coverage
Uber’s insurance policy offers varying levels of coverage based on the driver’s status on the app, and coverage changes depending on whether the driver is waiting for a ride request, en route to pick up a passenger, or during a trip. Below is an overview:
Period 0: This period occurs when the driver is not logged into the Uber app waiting for a ride. They are simply using their personal vehicle on their own time. In this situation, Uber does not provide any coverage – the driver must rely on their personal auto insurance policy for any incidents that occur during this time.
Period 1: When the app is on, but the driver has not yet received a ride request, Uber provides third-party liability coverage if the driver’s personal insurance does not apply. This includes $50,000 per person bodily injury, $100,000 total bodily injury per accident, and $25,000 for property damage per accident.
Period 2: From the time a ride request is accepted until the passenger is picked up, comprehensive liability coverage is provided in the amount of $1 million. Protection is extended to the driver and passengers against injuries caused by uninsured or underinsured motorists.
Period 3: From the time a passenger enters the Uber vehicle until the passenger exits the vehicle, the $1 million third-party liability coverage continues.
Uber also provides comprehensive and collision coverage – usually with a $2,500 deductible. This is only applicable if the driver has this type of coverage on their personal policy.
How a Lawyer Can Help after an Uber Accident
After an Uber accident, having a lawyer by your side can be pivotal in navigating the complex process involving insurance claims and determining liability. Here’s how they help:
Handling Insurance Claims
Lawyers have extensive experience in dealing with insurance companies and are skilled at ensuring that claims filed reflect the true scope of damages that occur from these incidents.
Determining Liability
Given the complexities surrounding rideshare accidents, lawyers play a crucial role in identifying all potentially liable parties to maximize compensation. The Uber driver may be liable, but other parties could be responsible as well, so it’s important to have an attorney do a thorough investigation to make this determination.
Navigating Multiple Insurance Policies
After an accident involving Uber, intricacies often arise dealing with the company’s insurance along with any other involved parties’ coverage. Lawyers handle these complexities by coordinating benefits and navigating shared fault issues to protect your interests.
Offering Peace of Mind
In the uncertain times following an Uber accident, a lawyer offers much-needed peace of mind. They attend to all the legalities while allowing you to focus on recovery, assuring you that someone knowledgeable is handling your case with expertise and pursuing your best interests so you can focus on your recovery.
If you find yourself involved in an Uber-related accident, working with a Jersey City personal injury lawyer can significantly increase your chances of reaching a fair settlement. Contact us today to schedule a free consultation and discuss your case.