What to do in case of an accident with an Uber driver?

Based on reports in US, more than 3 million Uber trip are logged every day and it is obvious that more trips means more accidents and injuries. According to this report only in United States in 2017 and 2018, 107 people including drivers and passengers lost their lives.

Whether you are an uber driver or a passenger, it is a good idea to have fundamental knowledge of insurance and legal affairs which may affect you when an accident takes place. The more you know about Uber’s insurance and related legal issues, the more efficient you will manage incident.

What should I do when Uber accident?

There are some actions that must be taken right after an Uber accident including Calling 911 or any emergency assistance number you know if someone is injured, gathering essential information, contacting Uber and getting a police report. In the following, these necessary actions are explained in details.

Call emergency assistance number

Regardless of you are a driver, pedestrian or an Uber rider having involved in an accident with an Uber driver, the first action you take must be calling 911 if someone is injured.

Take a few deep breaths and count to 10 to calm down. Keep in mind that you need to be calm to better handle the situation.  Check on everyone who is involved in the accident to see if someone injured. This includes making sure you yourself are not badly injured. Call to request emergency assistance and give the dispatcher the information he or she needs to help you.

Gathering information

You had better get name, contact information and insurance number of individuals involved in the crash. Next priority is taking photos and videos of the accident scene from every angle which is possible. Take as many as you can to make sure all the cars involved are shown. Don’t forget that both close-up shots and long shots are essential.

Next step is asking your Uber driver to give you his or her insurance information. Be careful that some Uber drivers may refuse to give you their insurance information on the pretext of covering by Uber. In this situation, call the police to force the driver to provide you with the information you need. 

If the driver has a current and valid insurance, you are less likely to have to contact Uber’s insurance because the drivers’ insurance company will cover.

Alerting the police

Call the police to come to the incident scene even if no one is injured to ask them to write up a report. This report will be useful if you need to establish and substantiate a claim. If for any reason the police did not come to the scene, you file a car accident report at a police station.

Contacting Uber

If you are an Uber driver, you are required to notify the company about the accident to record an incident report form. It will take two or three days that driver receives information if Uber’s insurance will cover the accident.

If you are an Uber passenger and involved in a crash, you can report it to the company by clicking on “Trip and Fare Review” through the Uber app.

Who Pays for an Uber Car Accident?

All Uber passengers who get involved in a crash leading to any injuries will be covered. However, that which one, Uber’s insurance or driver’s personal insurance will cover it depends on the case.

Uber’s insurance is called “contingent liability”. This means that Uber’s insurance kicks in only when driver’s primary insurance denies the claim.

According to Uber regulations, Uber drivers must be primarily covered by their personal insurance. Uber asks all the drivers to maintain the coverage and claims that drivers not having this coverage will be deactivated.

However, drivers who work for Uber must have what is called “rideshare rider” which is an addendum to their regular insurance policy. This addendum adds coverage for times they are driving for Uber. The driver’s personal insurance covers any damages to the passengers if the drivers may be at fault and have this addendum.

Types of Damages in Uber accidents

When you experience an Uber crash, first of all you should make sure that you are not physically injured. Be careful that not all injuries are visible.  You may also go into shock as a result of accident and could not figure out the injuries instantly.

Additionally, you might be disable for a while which means no income to pay medical bills or other crash-related costs. Whether the driver is at fault or the third party, the insurance, Uber’s or driver’s personal, should be committed to compensate you for damages. Damages might include:

  • Medical bills
  • Pain and suffering
  • Wrongful death
  • Disfigurement
  • Diminished earning capacity
  • Hospitalization
  • Property damage
  • Lost wages and work benefits
  • Emergency room services
  • Temporary or permanent disability

What does Uber’s insurance cover?

There are three periods that Uber determines for the drivers. The type of coverage which is provided by Uber’s insurance depends on these three different periods of an Uber driver’s work. 

Period one

It starts as soon as the driver logs into app and marks himself or herself as available. At this time, he or she is looking for a trip to accept.

Based on Period one definition, you are either a pedestrian hit by the driver, or you are involved in a car crash with Uber driver.

In this case, if driver’s personal insurance denies the claim, Uber covers any accident that is the fault of the Uber driver for up to $50,000 per person who is injured, $100,000 total injury liability per accident, and $25,000 property damage liability.

Period two

When the driver is matched with a passenger and he or she is on his or her way to pick the rider or riders up.

Period two is similar to Period one but coverage is higher. During period one, driver is ready and waiting for a call to accept. As soon as the driver accepts a trip, he or she is driving to passenger’s pickup location on behalf of Uber and that is why Uber’s liability coverage increases to a total $1 million.

Period three

It begins once the passenger gets into car and ends when the driver marks the trip ended.

Under period three, you are a passenger at the time of the accident not a pedestrian or another driver meaning the accident is between your Uber driver and someone else. In this case, Uber adds uninsured driver coverage to make sure that it can cover the probable damages to passenger if the third party be at fault and not have personal insurance. The total liability that Uber takes on in Period three is the same as in Period 2, which is $1 million.

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