Insurance

Understanding Insurance Coverage and Claims in Uber Accident Cases

Insurance Coverage And Claims In Uber Accident Cases

Rideshare services have transformed the transportation industry all over the world, providing a convenient and affordable alternative to traditional taxis. Known as California’s yearlong playground, the city of Fresno has seen a marked increase in the number of Uber drivers over the years to accommodate the growing need for urban transportation for residents. However, just like with any other vehicle, accidents involving rideshare vehicles are also inevitable.

According to Uber’s 2019 to 2020 safety report, there were 91 fatal Uber accidents in the US, leading to 101 deaths. If you find yourself involved in an accident while using a ride-hailing service like Uber in Fresno, it is important to understand how insurance coverage and claims work in these situations.

You can also consult an experienced law firm or visit their website to learn more about the legal aspects. Meanwhile, this article aims to provide a comprehensive overview to help you navigate the complexities of insurance coverage and claims following an Uber accident in Fresno.

Understanding Uber’s Insurance Coverage

Uber provides liability coverage for its drivers when they are actively working on the platform. This liability coverage is divided into three periods:

1. Offline:

When the driver app is turned off, Uber’s insurance coverage does not apply. Therefore, if an accident occurs during this period, any claims will be handled under the driver’s personal auto insurance policy.

2. App-On:

Once the driver turns on the app and logs in as available to accept rides but has yet to accept one, Uber’s contingent liability coverage comes into play.

During this period, if the driver causes an accident or is at fault in a collision while driving around waiting for a passenger request, Uber’s insurance provides up to $50,000 per person injured in an accident (bodily injury liability) with a total limit of $100,000 per accident.

3. En Route:

Once a driver accepts a trip or picks up passengers, Uber’s commercial auto insurance kicks in until they reach their destination safely, with higher limits than during the app-on period.

The coverage during these periods includes up to $1 million for third-party liability (bodily injury and property damage) along with uninsured/underinsured motorist coverage.

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Understanding Third-Party Claims:

If you are involved in an accident with an Uber vehicle as a non-passenger (i.e., a pedestrian, another driver, or a cyclist), you may need to file a claim against Uber’s insurance policy in order to seek compensation. In such cases, it is important to collect all relevant information and evidence to support your claim.

This includes obtaining the Uber driver’s contact details, documenting the accident scene, obtaining witness statements if possible, and preserving any photographic or video evidence. Once you have gathered the necessary information and are ready to proceed with your claim, you will typically need to report the accident to both Uber and their insurance provider.

It is also advisable to consult with an experienced personal injury attorney who can guide you through the process and ensure that your rights are protected.

Understanding First-Party Claims:

If you are an Uber passenger involved in an accident caused by another driver or due to circumstances beyond anyone’s control (e.g., poor road conditions), different insurance coverage may apply. In these situations, you will typically rely on your own auto insurance policy’s coverage for personal injury protection (PIP) or medical payments coverage.

Uber also provides contingent comprehensive and collision insurance coverage for physical damage that occurs during the En Route period. If the accident was not your fault, filing a first-party claim under Uber’s contingent comprehensive and collision coverage could mitigate any out-of-pocket expenses related to vehicle repairs or replacement while subject to a deductible.

It is important to note that this type of first-party claim has potential complications due to coordination between drivers’ personal insurers’ subrogation actions against third parties.

Being involved in an accident can be unsettling, especially when it happens during rideshare transportation. Understanding how insurance coverage and claims work in ride-hailing accidents is crucial for both passengers and third parties seeking compensation.

Remember that liability coverage for drivers during different periods can vary significantly; hence, involving proper legal guidance in such matters is essential. Additionally, maintaining thorough documentation, reporting accidents promptly to the necessary parties, and seeking advice from experienced attorneys will ensure a smoother claims process.

It’s important to remember that general perspectives on insurance coverage and claims in rideshare accidents may vary among different jurisdictions. Consulting with a qualified attorney is always advised before taking any legal action.

By equipping yourself with knowledge about Uber’s insurance options and following the recommended steps, you can protect your rights and seek the compensation you deserve in case of an accident involving an Uber vehicle. Stay safe on the roads!

About the author

Editor N4GM

He is the Chief Editor of n4gm. His passion is SEO, Online Marketing, and blogging. Sachin Sharma has been the lead Tech, Entertainment, and general news writer at N4GM since 2019. His passion for helping people in all aspects of online technicality flows the expert industry coverage he provides. In addition to writing for Technical issues, Sachin also provides content on Entertainment, Celebs, Healthcare and Travel etc... in n4gm.com.

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