With the convenience of Uber, people can request a ride to nearly anywhere at any time. Uber boasts 15 million rides per day. Although this service is quick and easy to use, it puts drivers, passengers, and other motorists at risk. Uber drivers often put others at an increased risk due to factors such as driver distraction or the lack of employment status since they are contract workers.
If you were recently involved in an accident as an Uber passenger or as another driver, you might not realize how complex these types of accidents and insurance claims can be. An Uber accident attorney from Flager Personal Injury Group can help you pursue the compensation you deserve.
Does Uber Provide Insurance Coverage?
Uber provides insurance coverage, but whether it applies in your case depends on the driver’s driving status at the time of the accident. If the driver wasn’t transporting any passengers or their Uber app is off, the driver’s personal auto insurance coverage applies. If the driver has the app open and is waiting for ride requests, Uber provides the following coverage:
- $50,000 bodily injury/person
- $100,000 bodily injury/accident
- $25,000 property damage/accident
Drivers who are on their way to pick up passengers or currently taking passengers to their destination are covered by the following:
- $1,000,000 3rd party liability
- Uninsured/underinsured motorist bodily injury
- Contingent comprehensive and collision
- Up to actual cash value of the car ($1,000 deductible)
When you hire a Miami Uber accident lawyer, you can be assured that they will investigate all insurance coverage sources and available compensation. Doing this provides you with the maximum recovery possible for your claim.
Which Drivers Insurance Covers Uber Accidents?
You might be wondering which policy applies; Uber’s insurance coverage for active drivers or the at-fault driver’s auto policy?
After sustaining injuries in an Uber driver’s vehicle, you can seek compensation by either the:
- The at-fault driver’s insurance coverage – which could be Uber driver or another driver
- Uber car insurance coverage
If the Uber driver has a commercial insurance policy or personal car insurance with insurance coverage that specifically applies to collisions that occur while working as an Uber driver, it should cover your injuries.
Many Uber drivers don’t buy commercial or personal insurance coverage that will cover passenger injuries. Even if they have their own auto insurance coverage, it might have a business use exception. As such, it won’t cover injuries that may occur when the insured driver works to make money.
What Causes Uber Accidents?
Uber drivers face challenges that are somewhat unique to their industry and can also impact their driving. Uber accidents can be caused by:
- Speeding—as they are often in a hurry to pick up the next passenger to make more money
- Fatigue—as many of them drive for Uber on time of other jobs
- Distracted driving—Uber drivers are often looking at the phones to see where to go on a map or accepting the next ride
- Unfamiliar roads—Uber drivers sometimes drive in areas they are not familiar with; some move here from out of state, and others cover wide service areas
Call a Miami Uber Accident Attorney Today
Being in an Uber accident can cause many serious injuries, leading to extensive medical bills, lost wages, and pain and suffering. Our Miami Uber accident attorneys can help you recover your damages. Call Flager Personal Injury Group today at 305-424-8445 or reach out online to schedule your free case consultation and find out how we can help you.