Car accidents, though unfortunate, are a common occurrence. Injuries in these accidents are common as well. In fact, 6 million are injured per year in the United States due to car crashes.
The ride-sharing company Uber carries driver protection. Many individuals use them to avoid the hassles and dangers of driving. Uber's insurance policy, designed to protect their drivers, provides security for the passenger in case of a crash.
Accidents happen. It's important to ensure you receive fair treatment throughout the insurance process.
Uber's accident policy explained
Uber carries a $1 million minimum third-party liability insurance policy when a passenger is in the vehicle. The policy begins the second the driver accepts the trip to the time the passenger is dropped off.
If the Uber driver is logged into the app's network and receiving pickup requests, Uber provides a $50,000 per person and $100,000 per accident minimum policy.
If the driver is logged into the app but hasn't accepted a customer trip, Uber provides added coverage in the amounts of $75,000 per person and $150,000 per accident.
When the Uber driver is working for Uber - meaning when they are "online" or the app lists the driver as available or waiting - they are covered by their own insurance, but Uber's coverage kicks in if/when their personal policy doesn't apply.
Sometimes, an accident will occur with an uninsured or underinsured driver (not your Uber driver). If that did occur, their insurance policy would cover the damages. Uber's $1 million minimum policy applies when the driver is underinsured.
What if you wanted to sue?
Uber carries large insurance policies. Due to this, there is potential to provide more compensation to the victim.
If you consult an attorney about your accident and they agree a lawsuit is the correct direction to take, they can send a preservation of evidence letter to Uber and the driver. This letter can help protect your ride data, which could help your case.
An accident or car crash can be a traumatizing experience. It is important to understand that you have rights after an accident. Knowing this, you can breathe easy and continue to electronically hail that Uber with your smartphone.