But any time someone gets in a car they are taking a risk and an Uber is no exception. In fact, you may be taking even more of a risk with Uber because you are getting into a car with a strange person and you really have no idea what their driving skills or personalities will be like.
It is for these reasons that many people ask, what should I do if I get into an Uber accident? How is it different from a taxi accident? Read on to find out the answer to that question.
Who is Liable for an Uber Accident?
When you get injured in a car accident, the negligent driver will be at fault. However, if the driver was working when the accident occurred, for instance, if they were employed by a trucking or taxi company, the company they work for will be liable for damages.
With Uber, it’s a bit different.
Uber drivers are freelancers so they are not technically employed by Uber. This makes it difficult for injured parties to sue the company directly.
Uber drivers are subject to background checks on their criminal and driving records. However, it has often been found that Uber is lax on their background check policy. As a result, it is not uncommon for riders to find that they are not in great hands when they step into a company car.
It also should be noted that Uber is seen as a software company, not a taxi company. This also allows them to circumvent some of their responsibilities if an accident occurs.
And because Uber vehicles are not commercial vehicles, but rather are privately owned, they are not required to carry the same kind of insurance as a commercial vehicle.
Uber Drivers and Insurance
The issue of insurance is confusing in terms of whose insurance will be used to cover the accident.
Uber drivers are required to have their own insurance but there is also additional insurance provided by Uber in case of an accident. However, if it is determined that the accident is the driver’s fault, his insurance will be used to cover any damages unless the driver’s insurance provides coverage that is equal or greater to what Uber is providing. If that is the case, Uber will provide partial coverage.
The amount of insurance Uber provides will vary depending on whether the driver was on the app when the accident occurred and whether or not they were carrying a passenger during the incident.
In the state of Florida, a basic outline of the coverage is as follows:
When the app is on and there is no passenger:
- Primary automobile liability coverage of at least $50,000 for death and bodily injury per person
- Primary automobile liability coverage of at least $50,000 for death and bodily injury per incident
- PDL coverage of at least $25,000 per incident
- PIP and uninsured and underinsured motorist coverage as required by law
If there is a passenger:
- Primary automobile liability coverage of at least $1 million for death and bodily injury and property damage
- PIP and UIM coverage as required by law
If the driver is off duty, Uber is not responsible for damages.
What Should I Do If I’m Involved in an Uber accident?
An Uber accident should be treated just like any other car accident. In terms of the actions you should take if you were in an Uber accident, you should start by collecting as much evidence as possible. Take pictures, get contact info for witnesses, and make sure the police are called so that a report is on file.
You should also seek medical treatment, even if you don’t think you have been injured.
Injuries may become more severe as time goes on. If you wait to get these injuries treated, at-fault parties will try to say they were not caused by the accident. That’s why it’s best to get medical attention ASAP.
Finding the Right Lawyer for My Uber Accident
When you are involved in an Uber accident, things can get confusing. It is difficult to figure out who is responsible for damages and it can also be hard to determine a fair amount for compensation and build a strong case. That’s why it’s essential to have a good lawyer on your side.
Moe DeWitt has years of experience in the field of personal injury claims. They take a customized approach to make sure their clients get the justice they deserve. They are known for their aggressive representation, their caring spirit, and their affordable rates.
Uber accident cases can get complicated. Don’t let major corporations pull the wool over your eyes. Just Call Moe to get the closure and compensation you need.