If you have been seriously injured in an accident involving an Uber vehicle, you may be able to take advantage of Uber’s one-million-dollar insurance policy. However, it is important to understand that there are different rules regarding the policy as it relates to drivers, passengers and third parties.
Uber, Lyft and other ridesharing companies that use an app as a means of communication with riders and drivers, are not subject to the same rules and regulations as taxi companies. The app is a convenient and fast way of connecting a person with another person who can give them a ride to their destination. Part of the price paid for an Uber ride includes a fee that goes toward driver background checks, driver safety education and motor vehicle screening. However, Uber drivers are not employees of Uber. They are independent contractors, and this presents a problem for injured riders since companies are only liable for the actions of their employees.
Uber’s one-million-dollar insurance policy is based on the driver’s activity at the time of the accident. For example, if the driver was available to pick up passengers but is not carrying a passenger at the time of the accident, the primary insurance is the driver’s personal insurance. There is additional coverage if the driver requests it or the driver’s own insurance coverage doesn’t cover all the damages.
The one-million-dollar insurance policy can be used when the Uber driver is carrying an Uber passenger. If a third party, such as a cyclist or pedestrian, is injured, that third party is covered under Uber’s policy as well. Uber also carries a one-million-dollar uninsured/underinsured motorist policy if the accident is caused by an uninsured or underinsured driver. It is important to keep in mind that many insurance companies do not allow the insured person to use their car as a ridesharing vehicle and will not compensate an injured passenger.
If you have been seriously injured in an Uber-related accident, the wisest course of action is to get the help of an attorney who is experienced in handling ridesharing accident claims. You may be able to pursue a civil lawsuit against Uber or the driver’s personal insurance. To find out if you are entitled to compensation for medical expenses, pain and suffering, lost wages or other damages, call Finkelstein & Partners, LLP. Our attorneys are knowledgeable, skilled and compassionate and we know how to help you. Call 877-415-6566 or email [email protected].