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Table of Contents
Immediate Actions to Take After an Uber Accident
After an Uber accident, prioritize everyone's safety by checking for injuries and contacting emergency services if necessary.
Collect evidence such as photos and contact details of those involved while at the accident scene. Report the car crash through the Uber app to start the insurance process, and seek immediate medical attention to document any injuries for filing claims related to the Uber crash.
Contact Emergency Services if Needed
If you've been injured in an Uber accident, call emergency services immediately to help ensure everyone's safety before gathering information or taking photos.
Prioritizing your health and receiving necessary treatment should be your main concerns.
Ensure Safety at the Scene of the Accident
After an Uber accident, prioritize your safety by checking for injuries and moving to a secure location if possible. Stay calm and stay at the scene until help arrives.
Cooperate with emergency services and police officers upon their arrival. Refrain from discussing fault or accepting blame to safeguard your rights for any potential legal action.
Seek Medical Treatment Without Delay
If you've been injured in an Uber accident, seeking immediate medical attention is essential. Some injuries may be delayed or masked by adrenaline, making it important to have them assessed quickly. Also, receiving medical care will ensure you'll obtain medical records, which can be used as evidence.
Avoid missing out on essential care or evidence by promptly seeking medical attention and documenting any injuries after being involved in an Uber rideshare accident.
Document the Scene with Photos and Videos
Take photos and videos of the scene, capturing any damage to vehicles, road conditions, and visible injuries following the rideshare accident. Gather contact information from witnesses and exchange insurance policy details with other drivers involved.
Save all evidence relevant to your Uber accident claim.
Exchange Information with the Other Driver
Once you've confirmed everyone is safe, calmly share your full name, contact details, and insurance policy number with the other driver involved in the accident. Collect similar information from the Uber driver.
Also, obtain the names and contact numbers of any witnesses. This information is crucial for the claim process that follows Uber accidents.
Consult with a Car Accident Attorney
If you seek to receive fair compensation, it's highly recommended to explore your legal options by scheduling a free consultation with a Las Vegas car accident attorney from the Rodney Okano Car Accident Lawyer Law Firm.
With over 20 years of experience, our accident attorneys have successfully handled countless injury and property damage claims and know how to pursue compensation on your behalf.
Understanding Uber's Insurance Coverage
Uber provides liability insurance coverage of up to $1 million during active rides if you're a paying passenger and the Uber vehicle is at fault. When drivers have their app on but no ride accepted, Uber covers up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
However, if you are injured in a Uber accident while the app is not active, your Uber driver's personal liability insurance and other insurance coverage will be the only source of compensation.
You should always have a free consultation with an accident lawyer for legal advice on how insurance coverage applies in your personal injury claim.
Types of Insurance Policies Uber Provides
If an Uber driver is active on the Uber driver app but hasn't accepted a ride, Uber provides contingent insurance coverage of up to $50,000 per person, $100,000 per incident for injuries, and $25,000 for property damage.
If a driver accepts a ride or is carrying a passenger, Uber covers up to $1 million in liability for any damages resulting from an accident.
How Uber's Insurance Applies During Different Stages of a Ride
If an Uber driver has the app off and is not waiting for passengers, only their personal auto insurance applies in the event of an accident. If the app is on but they haven't accepted a ride yet, Uber provides up to $50,000 per person and $100,000 total for bodily injury, along with $25,000 for property damage.
Once the driver accepts a ride or picks up a passenger, Uber's liability coverage of $1 million activates.
Uber Coverage Limits and What They Include
Rideshare companies often carry commercial coverage for their drivers; however, since most companies classify their drivers as independent contractors, there are terms and limits to this commercial policy, which are:
- Active Rides: Up to $1 million in coverage if you're riding as a paying passenger.
- Waiting Period: Up to $50,000 per person and $100,000 per accident for injuries when the driver is waiting for a ride request.
- No Ride Requested: Driver's personal auto insurance applies, no Uber liability coverage.
Filing a Claim with Uber's Insurance
Filing an insurance claim with Uber involves several steps:
- Begin by contacting Uber through the app or website.
- Provide necessary documentation like police reports, medical records, and photos.
- Cooperate fully to ensure your claim is processed smoothly.
Contact a Las Vegas Uber accident lawyer from our law offices today to maximize your settlement and ensure your rights are protected from the insurance companies.
Steps to Report the Accident to Uber
If involved in a car accident involving Uber drivers, open the Uber app and go to "Report an Issue" from your recent trip history. Select "I was in an accident" and fill out the required information.
Be sure to collect information from the involved parties and take photos or other evidence to support your personal injury claim.
Required Information for Uber's Claims Process
To file a claim with Uber after an injury in an Uber accident, gather important details such as photos of the accident scene, vehicles involved, and your injuries, then obtain witness information and secure a copy of the police report. Use the Uber app to report the incident and start the insurance process.
Cooperate with Uber's insurance companies by providing medical records and any evidence they request.
Timeline for Submitting a Claim to Uber
A normal timeline for filing a claim with Uber after an accident is:
- Report the incident through the Uber app immediately
- Seek medical attention right away, even if you feel fine
- File your insurance claim within 7 days of the accident
- Cooperate with Uber's insurers and provide all required documentation
Common Delays in Uber Insurance Claims
Delays in Uber insurance claims are common when documentation is incomplete, such as a lack of medical records or photos. Additionally, communication problems between you and the insurance adjusters can lead to delays.
The process might be delayed if there's uncertainty around determining fault, leading insurers to verify details thoroughly before resolving a claim.
Furthermore, complications often arise due to overlapping policies, making it challenging to determine which coverage should be applied first.
Working with Your Personal Insurance Provider
When involved in an accident while using a service like Uber, your personal car insurance company is important. Contact them to report the incident and initiate the claims process with them if necessary.
How Personal Insurance Complements Uber Coverage
If you're injured in an Uber accident as a passenger, your personal car insurance might offer coverage for injuries sustained while using rideshare services. Should the Uber driver's liability insurance fall short of covering all damages, your own policy could help cover additional costs, such as medical costs.
Check both Uber's policy and your personal insurance policy to fully understand the coverage scope of protection during trips.
Filing a Claim with Your Own Insurance Company
If you've been injured in an Uber accident and have personal injury protection (PIP) coverage through your own insurance for damages from car accidents, such as lost wages and medical expenses, contact your insurer. Inform them of the incident, provide necessary details, and follow their process to file a claim.
Coordination Between Uber and Personal Insurance Policies
When taking an Uber ride, your coverage is provided by both the company's insurance, the driver's personal auto policy, and, under some circumstances, Uber's insurance. Here's what you need to know:
- Uber Insurance: Covers trips during "active" status (when a passenger is in the car or being picked up).
- Driver's Personal Auto Policy: May kick in if Uber's doesn't apply, covering damages from an at-fault accident.
- Your Personal Policy: Could provide additional coverage for injuries sustained while riding in an Uber.
Handling Claims with Multiple Insurance Companies
When handling claims with multiple insurers after being injured in a rideshare accident like Uber, collect all required documentation and inform each relevant insurance company about the incident. Monitor communications and adhere to deadlines for each separate claim.
Collaborate closely with your personal injury attorney to ensure accountability from all parties involved, based on their policies. Actively follow up on progress and promptly address any discrepancies to ensure a smooth process.
Obtain the Compensation You're Entitled To
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Rodney Okano Car Accident Lawyer is a Las Vegas personal injury law firm with over 20 years of experience helping clients obtain maximum compensation following injuries from accidents such as car crashes, worksite injuries, and slips and falls. Over those years, The Rodney Okano Car Accident Lawyer Law Firm has become an experienced law firm that can ensure exceptional results for any of its clients.
