Uber and similar ride-sharing services have revolutionized the transportation business. They are inexpensive and simple to use. Even while ride-sharing services are the most popular method of getting around town, they are not always secure and reliable.
Uber drivers might put you in danger. You should know how to claim with the company’s insurance provider if you are in an accident while riding in an Uber.
What Is the Uber Insurance Policy?
If you report the accident to Uber, you may be eligible for reimbursement. A remark, report, or contact through the company’s “Help” option are all ways to get in touch. An insurance representative will be in touch with you once they have received your comments.
In the absence of physical injuries, the approach will be quick and easy. However, if you were injured, you need to know what to do next.
After an Uber automobile accident, it is critical to protect your legal rights. Make sure you do these things:
1. Contact a Medical Professional
The primary concern should be the well-being of all those engaged in the incident. After a vehicle accident, you should always seek medical attention. Many injuries are not likely to appear right away, and it might be challenging to link them to the accident by the time they do.
2. Get in touch with the Police
After the accident has taken place, it is critical to notify the police and have them arrive on the spot to file a report. Ensure that you remain at the site with the Uber driver to communicate with the police. Make sure you do not opt for a second ride to continue your journey!
As part of their investigation, the police will speak with as many witnesses as possible. In many cases, they will express a view on who was responsible for the accident.
3. Get the Required Details
Next, you may focus on the accident scenario once you have taken care of the essentials. Of course, you will need everyone’s names, insurance information, and phone numbers. You should take photos and videos. Take quite a good amount of shots of all the cars involved from every available angle.
Take close-ups and wide-angle images so that you can capture the complete scene.
4. Making a Case for Negligence
You will have to establish that your Uber driver was negligent if you want compensation. Furthermore, you will need to demonstrate that the driver was negligent in his or her duty of care and that your injuries resulted from this.
In addition, you must prove that the driver’s carelessness caused an accident that resulted in compensating losses. Your proof must support your claim of carelessness against the driver. If you and your Uber driver are not responsible for the accident, you could submit a claim to the other driver’s insurance carrier if negligence caused the collision.
Uber May Deactivate Uber Drivers from Service in Case of Accidents
Deactivation is a regular occurrence for drivers who have been involved in an accident. In some cases, this is because a driver lacks proof to prove his innocence, while in others, somebody has made a lawsuit against Uber, explicitly naming a specific driver. To avoid future expenditures and accidents, it is in Uber’s best interest to deactivate the driver either temporarily or permanently.
What Should the Drivers Do to Prevent Deactivation?
In the event of an accident, the driver should contact an Uber accident lawyer who can examine the facts and assist them in gathering enough evidence to support their position. The lawyer can assist the driver in putting together a variety of documents, including contact information, images, and receipts.
To prove employment with Uber at the time of the accident, the driver must demonstrate that they work with Uber as a driver. With the help of pay statements and screenshots, it is possible to accomplish this goal.
Do Uber Drivers Always Get Fired if They Are Involved in an Accident?
Ultimately, each Uber driver’s collision details will decide whether or not they will be fired. If the Uber driver was negligent and their behavior caused the crash, Uber will likely terminate their contract. The list of driving violations includes:
- Over speeding the car.
- Not following traffic light rules.
- Driving while texting
It does not have to be a massive accident for an Uber driver to lose their job. They could have caused a minor accident if they reversed into traffic without looking and did not have the right of way. On the other hand, Uber might use this as grounds to terminate the driver’s contract since they were careless and placed others at risk.
Does the Traditional Insurance Policy Cover Uber Accidents?
Even if the drivers have been driving for Uber for a while, most traditional car insurance policies will not cover them while they are doing so. Due to their policy’s limitations, the drivers may not be able to drive for business purposes.
Dedicated ridesharing insurance is quite popular among independent contractors due to this. Rideshare insurance bridges the gap between rideshare car insurance (Uber) and driver’s private car insurance. Employer-provided insurance policies sometimes only cover the bare minimum and limit when the drivers are covered. In contrast, private car insurance does not extend to paying clients from one location to another.
Because it provides more protection between trips, rideshare insurance fills up the coverage gaps left by Uber Insurance while the drivers are actively working on a trip. To avoid the high expenses of automobile accidents, drivers do not have to rely on third-party liability insurance alone. They may pick a plan with their existing insurance provider or a new one.
Accidents involving an Uber can quickly get problematic. Even more so if there are severe damage claims and various insurance companies are involved. To ensure that the insurance providers provide the required assistance, you must contact an attorney with experience in dealing with Uber accidents that involve personal injuries.