Uber drivers are taking over the roads. They are now everywhere. In fact, over 75 million people have used Uber since they began in 2009. These drivers can be very convenient and cost-effective, but they can also be dangerous as well. Just like driving in any vehicle, an accident in an Uber can have a serious impact on the rest of your life.
If your Uber driver is in an accident with you in the vehicle, what you can do next will depend on the unique facts of your situation. For example, if someone t-boned the vehicle, your legal options are going to be very different compared to if the accident was caused entirely by your driver. It will also depend on whether the Uber driver was acting as your driver or another person’s driver, and whether they were “on the clock” or not. This FAQ focuses on what happens if you are a passenger in an Uber when it’s involved in a crash.
You should always make sure that everyone is okay after any car accident. An Uber crash is no exception. If you need emergency medical attention, you should be sure to get it right away. Call 911 if you are unsure whether anyone needs emergency care—it’s better to err on the side of caution.
Uber crashes are just like other car accidents in a lot of ways, and you need to know what to do after any car accident. But there are specific steps you can take in an Uber accident. You should:
It’s especially important to call the police to the scene so they can make a report after an Uber accident. You should be sure to stay at the scene with the Uber driver so you can talk to the police as well. It’s tempting to get another ride and continue on your way—but don’t! The police will talk to everyone they can about the incident to get an idea of what happened and why. They will often include their opinion about who was at fault in the accident in their report, too.
You should be sure to get everyone’s information who was involved in the accident, including your Uber driver, the other driver involved, and any other passengers. Because it’s difficult to tell who might be at fault right away, getting everyone’s information will be important.
It’s a good idea to make all of these reports right away just in case any of these insurance coverages apply. Many insurance companies have time frames in which you must make a claim after an accident, and you could waive your ability to get money for your damages and losses if you don’t act quickly.
Uber accidents can be very complicated from a legal perspective. It’s a good idea to talk to an attorney as soon as you can after this type of accident. Your lawyer will help you make the right moves so you can get the most of out of your claim.
If you aren’t driving, your auto coverage likely won’t apply in a car accident. So, how does insurance work? Uber has its own insurance coverage that applies while you are riding in a vehicle driven by an Uber driver. That policy covers $1 million in liability coverage and another $1 million in uninsured/underinsured motorist coverage.
Normally, liability insurance will only address claims made by the other driver involved in the accident. But, because your Uber driver could be partially at fault for your injuries, that coverage will apply to you too. That generally means that you must share that $1 million in coverage with another driver, and potentially several passengers as well.
That aspect of Uber claims can become complicated quickly, which means that Uber’s insurance company may be contacting you to settle your claim right away. Settling fast isn’t always a good idea. You should be sure to talk to an Uber accident attorney before you agree to anything or sign any paperwork.
An experienced auto accident lawyer will be able to help you determine if your rights are being fully accounted for in a settlement. McCarthy & Associates, PLLC is a great resource in these circumstances — and we offer a FREE consultation.