If you are someone who is currently employed as an Uber driver in Fort Lauderdale, FL, then you have probably taken the time to familiarize yourself with Uber’s app and the features it offers, how to properly accept rides, and how you get paid for each trip you make. While most understand the basics associated with being an Uber driver, many aren’t aware of what to do in the event of an accident and who to turn to for compensation when their vehicle is damaged and/or they sustain injuries. Therefore, if you were recently involved in an accident while on the clock as an Uber driver, here is what you need to know regarding when Uber will cover the crash and why you might need a Fort Lauderdale, FL Uber accident lawyer to help you recover the compensation you need for the damages incurred.
When the Accident Occurs While Waiting for a Request
Let’s say you were driving and online with Uber waiting for a request when a vehicle rear-ended your car. The driver who hit you wasn’t paying attention which puts them at fault for causing the collision. So, who will pay for the damage your vehicle sustained? Uber or the at-fault driver? In this case, because the other party was responsible for causing the accident, you would need to file a claim through their insurer just as you would had you not been driving your vehicle for personal reasons. You may also even be able to recover compensation from your own insurance policy.
Now, let’s reverse roles and put you in the other driver’s shoes. Let’s say you accidentally rear-ended a car because you were glancing down at your phone or engaging in other distracted behavior which now puts you at-fault for causing the wreck. In this case, Uber’s liability insurance should cover the other driver’s property damage and injuries. Although Uber says that coverage limits vary by state, the minimum limits they provide when you are liable for causing an accident include:
- $50,000 per person/$100,000 per accident for bodily injury
- $25,000 per accident for property damage
What this means is that Uber should provide the other party, which would be referred to as the “third party” with up to $50,000 for bodily injury and up to $25,000 for property damage.
What if the accidents happened while I was en route to pick someone up or I had a passenger already in my vehicle?
If the car accident occurred while you were in the process of going and picking a rider up who has requested a ride through the Uber app or you already picked them up, Uber protects you with the following coverages:
- If you cause an accident that involves another motorist or pedestrian, or it is a single-vehicle accident that only results in property damage, you are covered by Uber’s liability insurance up to $1,000,000 per accident.
- Uninsured and underinsured motorist bodily injury coverage. This will cover you and any passengers traveling with you when involved in an accident that was caused by another motorist that does not have insurance or isn’t carrying enough coverage to pay for the damage that has been caused. It will also pay for a hit and run accident involving a driver who fled the scene. Although limits vary by state, Uber says minimum coverage limits provided are $1,000,000 per accident.
- Contingent collision and comprehensive coverage. If you are involved in an accident, whether it is your fault or not, Uber will provide you coverage with a limit up to the actual cash value of your vehicle. This coverage is provided on the basis that you have purchased collision coverage under your personal insurance policy. Uber doesrequire that a $1,000 deductible be satisfied before they will pay you anything.
Will Uber pay for an accident that occurs when I am using my vehicle for personal reasons?
Uber does not provide coverage for drivers who are using their vehicles for their own personal use. In this case, if you were involved in an accident, you would need to submit a claim through your own insurer or if another driver was at fault, through theirs in order to get your vehicle repaired and your medical bills paid.
While Uber claims you are covered by the insurance coverage mentioned above giving you the sense that you are protected and in good hands, the truth is, filing a claim through Uber’s insurance policy or anyone else’s who is responsible for causing a car crash can be challenging. The fact is, there are times when insurers don’t want to pay claims or they provide the claimant with a settlement that is far lower than what their damage is worth. And as for Uber, you may even run into trouble when trying to contact the right department who is responsible for handling your claim. That is why drivers who use their vehicles for rideshare purposes are always encouraged to contact a Fort Lauderdale, FL Uber accident lawyer following a collision to ensure they are properly compensated and that their claim isn’t left in limbo.
With that in mind, if you were involved in an Uber accident in the Fort Lauderdale, FL area, whether you are a rideshare driver or a passenger and would like help recovering compensation for the damage and/or injuries the accident has caused, you will want to connect with an accident attorney who has experience in handling ridesharing collisions. The legal professionals at the Madalon Law are some of the best lawyers in the field who have already helped many victims of these types of accidents get their claim filed and paid and are ready to help you.
You can reach Madalon Law at:
100 N. Federal Hwy CU5
Fort Lauderdale, FL 33301
Website: www. madalonlaw.com