Uber Insurance Claims: What You Need to Know

Even though we put our trust into an Uber driver’s hands thinking they will keep us safe during our ride or while we are sharing the road, not every driver is perfect and that includes rideshare drivers. If you were injured in an accident as an Uber passenger or as a driver whose vehicle was hit by an Uber driver, you may be able to file a claim with Uber’s insurance for compensation for your damages. This process can be complex, however, and may require legal representation in order to receive a fair amount of financial compensation for your injuries. Uber has extensive insurance coverage that will cover just about any type of collision involving one of its active drivers. If you were hit by an Uber driver or were in a crash as a passenger in an Uber, you may be able to claim up to $1 million in bodily injury compensation. An accident with an Uber driver does not have to leave you with costly medical bills and property damage. By filing an insurance claim and being represented by experienced counsel you can receive full compensation for your damages.

What Insurance Does Uber Have?

Uber has liability coverage that changes depending on the status of the Uber driver at the time of the motor vehicle collision. Between when the app is turned on and a driver accepts a ride, insurance can cover up to $50,000 for bodily injury, $100,000 per accident, and $25,000 for damaged property. Between the time when the Uber app matches a driver and passenger and the driver drops off the passenger, there is primary liability coverage of $1,000,000 per accident and $1,000,000 for uninsured and underinsured motorists. Rideshare drivers may also carry their own insurance policies that could provide additional insurance coverage when they’re not using the app and/or in other circumstances.

What to Do Immediately After an Accident with an Uber Driver

Like any other car accident, after a rideshare crash make sure to exchange insurance information with all vehicles involved in the accident, including the Uber driver. It is incredibly important to have this contact information when filing a claim. Seek medical attention immediately for your injuries, report the accident to emergency services, and, if possible, obtain a police report or at least the official number assigned to the incident. Other information that will be useful includes:

• the names of all drivers involved in the accident,
• their driver’s license information,
• witness contact information,
• pictures of the accident, and
• your written account of what happened during the accident

It is best to write down everything you remember from the rideshare accident as quickly after the crash as you can so you do not forget any details. Keep any medical bills, repair receipts, and other evidence of costs associated with the accident close by so you can submit them to Uber’s claims department.

Report the Accident to Uber and Contact the Uber Insurance Claims Department

Uber will request quite a bit of information regarding the accident when you submit a trip verification request. It would be wise to seek legal counsel before submitting this information to ensure you are not giving any ammunition to Uber’s insurance company that they can use against you. They will ask for your name, phone number, email address, your Uber driver’s name, the date of the accident, location of the accident, and a description of what happened during the accident. Once this information is submitted, Uber’s insurance company may reach out to you to request you fill out a variety of forms. You should have these forms checked by your attorney before submitting them.

Uber’s insurance company will look over your forms and will either approve or deny your claim. The insurance company is going to do its best to avoid paying you compensation for your damages. This is why having an experienced rideshare accident attorney on your side will be key to securing what you deserve and what you need to recover both physically and financially. Many passengers and drivers who have been victims of Uber driver accidents find that their claims have been wrongfully denied. The insurance company may also refuse to take their calls, offer insultingly low settlements, claim that the injuries suffered by the victims were preexisting conditions, and more. An experienced personal injury attorney knows how to handle these types of bad faith insurance practices and can make sure you are given a fair shot at being compensated for your driver’s negligence and/or recklessness.

Houston Uber Accident Lawyer

If you or a loved one have been involved in a car accident with an Uber driver (either in another vehicle or as a passenger), contact J.D. Silva & Associates today at 281-971-3200. We will review your case and help you navigate the process of getting what you deserve from the at-fault rideshare driver and company. We know how difficult the Uber insurance claims process can be and our lawyers are ready to fight for what is rightfully yours. You only have a limited amount of time to file your claim so contact our office today for more information on how we can help.

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