Accidents happen. This is a simple fact of life. Across the world, despite drivers’ best intentions, car crashes occur nearly every minute. What is important to understand is how the expenses that result from the car crash will be dealt with. Most people who ride in an Uber have no idea whether the car and the driver have an accident insurance policy.
The fact that Uber drivers struggle with the income they earn, despite the long hours of driving, is no secret. And this makes it more important for folks to understand how to deal with a car crash with an Uber vehicle or when you are travelling in one. Here is what you need to know about Uber’s car accident insurance policy.
Understanding Uber’s Car Accident Insurance Policy
Uber has a slightly complicated insurance policy. When a driver has the Uber app switched off, his or her own insurance coverage applies. Therefore, if the car is in an accident, the driver’s personal auto insurance policy will cover the cost of the damages. If a driver has the app switched on and a car crash occurs between trips, however, the company provides third-party liability coverage. Bodily injuries that were a result of the accident are covered for $50,000 per individual per accident. Property damage of up to $25,000 is also covered in these circumstances.
When an Uber is on a trip with a fare, the insurance coverage from Uber is for $1 million. If the vehicle is involved in an accident with an uninsured or underinsured driver, the insurance policy covers bodily injuries sustained by passengers in the Uber. It is important to note that 13 percent of motorists in New York City (NYC) are uninsured.
Thus, in the event of a car accident involving an Uber vehicle, the type of insurance coverage will depend on several different factors. If you find yourself in such a situation, you will need to check the relevant details with the driver. If the vehicle is between rides or is on a paying trip, Uber’s insurance coverage applies. If the driver has the app switched off, then personal auto insurance will cover the accident.
If you are in NYC and have been in an accident with an Uber, you need to consult an NYC Uber accident attorney. Like most large companies, Uber is likely to minimize its liability, and it may be a challenge to get your just dues. It is possible that they may offer a small settlement so that you do not pursue the matter further.
It would be wise to speak to an experienced accident attorney before you speak to a representative from Uber or the insurance company. Your lawyer will be well-versed in the legalities of dealing with a car accident, and he or she will ensure that all the details pertaining to your case are presented effectively. This will ensure that you receive just compensation.