Rideshare platforms, such as Lyft and Uber, have changed the whole concept and mode of transportation. Being incredibly affordable, convenient, accessible, and easy to use, Uber has taken over this sector in a wide way.
But just like any other type of vehicle, Uber rides are also full of risks. Though the drivers are skilled, they sometimes can put you in real trouble or in an accident. With accidents comes additional medical expenses and several damages.
So, it is important to have an idea about what you need to do in case you get into an Uber accident. Consulting with the best Uber accident attorneys is always the best thing that you have to do. But there are a lot more things to take care of.
You Are Involved In A Crash With An Uber: Steps To Take
As a passenger in any rideshare service such as Uber, the last thing that we imagine is getting into an accident. At the same time, auto accidents can happen anytime, anywhere, with anyone.
And in case you find yourself in such an unpleasant situation, the first thing you need to do is check whether everyone within the vehicle is safe. Check for any bodily injury. In addition to that, there are some crucial things that also need your attention.
- Do you feel any type of pain anywhere?
- Is anyone bleeding?
- Does anyone else also experience pain in their body?
After you are done with all these things, the next thing that you need to do is get to a safer area and gather some essential pieces of information on the scene. Try to note down as much contact information as you can regarding the accident.
And the list of your contact information would include the following things.
- Name of the Uber driver.
- Names of the other passengers.
- Insurance information.
- Numbers of the license plate.
- Contact information of the witnesses, if there is any.
- The exact location of the accident, for example, the area and street name.
- Models of the vehicles that are involved in the accident.
What Should You Do After An Uber Accident?
I have already mentioned the basic things that you should do just after an Uber accident. But there are some more things that you should do, in case you want to get the claim or the insurance coverage by Uber.
Call The Police
After an Uber accident, call the police as soon as possible so that the police can make a report after the Uber accident you are involved in. Also, you need to make sure that you are present at the scene with your Uber driver till the time police arrive.
It might be really tempting to take another ride and continue on your way, but do not leave the spot until you have a chat with the police. They will talk with everyone in order to get an understanding of the overall incident.
Get Everyone’s Contact information.
I have already said that taking the contact information of everyone is important in case you are involved in an Uber accident. Make sure that you are not missing anyone from the above-mentioned list.
You are not sure who is actually at fault, so taking everyone’s contact details will be beneficial for future references.
Report The Incident
The police will make an accident report and include all the possible details to that. Meanwhile, you need to inform or report the accident to a few entities. And they are as follows.
- Obviously Uber.
- Your insurance company.
- The insurance company of the other driver.
And also, do not forget to ask the police for a copy of the report that they have made.
Consult With An Uber Accident Lawyer
Uber accidents can actually be really complicated so, it is always advised to consult with an Uber accident lawyer. In order to get your insurance claim from Uber or the other driver’s insurance provider, you need to follow some necessary steps.
Certain pieces of documents like the accident report, your medical report will be needed. Only an experienced professional will be able to help you with this and get your claim.
Uber Insurance Coverage
When you are riding in Uber, it is obvious that you are not driving your car, which means here, your auto coverage will not apply. So, the question is, how does it work? Well, Uber has their own insurance coverage, which applies during the time you are riding in a vehicle that is driven by an Uber driver.
The particular policy covers $1 million in liability coverage, along with another $1 million in underinsured or uninsured motorist coverage. Usually, liability insurance only addresses those claims that are made by the other driver who is involved in the accident.
But, as your Uber driver also can be at fault partially for your damages or injuries, that insurance coverage will also be applicable for you. So, it means that you must share that $1 million in coverage with the other driver and with other passengers as well.
Understanding The Insurance Policy Of Uber
The insurance policy of Uber can be really complex and also depends on the type of accident. Generally, in case you are involved in an Uber accident, the company will cover all the damages under their $1 million dollar insurance policy.
For different states, the coverage limits are different, though. It does not matter whether your Uber driver is at fault or not; in case the accident happens during your ride, the Uber insurance policy will reimburse you for all the damages.
Here are some of the losses that are covered by Uber’s insurance policy.
- Property damage.
- All medical expenses that are related to the crash.
- In case the accident was fatal, wrongful death.
- If the accident causes you to miss your work, or any other obligations, lost wages as well.
Filling A Claim
These are all the things that you should know so that you can handle an Uber accident in a good manner. We understand that getting into an accident will make you devastated, but for your own benefit, you need to make sure that you have taken care of everything in a proper manner. This way, you will be able to get Uber insurance coverage for your losses.