How Does Uber Handle Accidents?

When a crash involves an Uber driver, the situation becomes complicated. You may have questions about how Uber’s insurance works, who is financially responsible for your damages, and whether Uber itself can be held accountable.

So, how does Uber handle crashes? Uber provides liability insurance if the driver was waiting for a ride or transporting a passenger. If the driver was offline, they’re responsible for your damages.

Uber accident claims can be highly involved. If you need to file one, a Charleston Uber accident lawyer can guide you through the process and help you obtain the compensation you’re entitled to.

How Does Uber Handle Crashes?

Uber provides liability coverage if one of its drivers gets into an accident while waiting for a ride or transporting a passenger. If the driver was offline or not using the app, Uber’s insurance does not cover the crash.

In these cases, Uber’s role is limited to providing guidance and documentation to help passengers and drivers pursue damages.

Who Pays for an Uber Accident?

Depending on the circumstances, several parties could be held financially responsible for an Uber accident, including:

• The Uber driver: If the driver was offline and not using the Uber app, they may be held personally responsible for any damages.
• Uber: If the driver is logged into the app and waiting for a ride or transporting a passenger, Uber may be liable for covering damages.
• Another driver: If another motorist caused the crash, they may be held responsible for damages.
• The passenger: In rare cases, a passenger could be partially responsible if their actions contributed to the accident.

Understanding who is liable is essential for ensuring proper compensation for medical bills, vehicle damage, lost wages, and pain and suffering. A rideshare accident lawyer can investigate your crash and use evidence to determine fault.

How Does Uber’s Auto Insurance Work?

Uber’s insurance coverage changes at different stages of the ride:

• App off: Only the driver’s personal auto insurance is in effect.
• App on, waiting for a ride request: Uber provides up to $50,000 per person, $100,000 per accident, and $25,000 for property damage.
• On trip (from accepting a ride to drop–off): Uber provides up to $1 million in liability coverage and uninsured/underinsured motorist coverage.

These coverage amounts can affect how claims are filed and what compensation is available. Knowing the stage of the ride at the time of the accident helps determine which policies apply.

Always consult a rideshare accident lawyer to ensure your rights are protected.

Can You Sue Uber for an Accident?

In most cases, since Uber classifies its drivers as independent contractors, the company cannot be sued directly. Instead, claims are usually made against the driver, other motorists, or through insurance policies.

However, there are some scenarios in which you may be able to sue Uber for a rideshare accident. For example, if Uber failed to properly screen a driver or ignored safety complaints, it may be possible to hold the company accountable. A lawyer can review your case to determine whether you have grounds to sue.

How Does Uber Detect an Accident?

Uber uses technology in its app to detect unusual driving activity that may signal a crash, such as abrupt stops or sudden changes in speed. If an accident is suspected, the app may prompt the driver to confirm they are safe.

However, this technology does not replace formal accident reporting. If you’ve been involved in an Uber crash, it’s important to document what happened.

Why Hire an Uber Accident Lawyer?

If you’ve been injured in an Uber accident, a car accident lawyer can help you by:

• Investigating fault: A lawyer can investigate the crash to determine who should be held responsible for your damages.
• Calculating damages: An attorney can calculate the true value of your claim and fight for fair compensation.
• Managing insurance claims: An attorney can deal with insurers that may try to minimize or deny your claim.
• Filing a lawsuit: If a fair settlement cannot be reached, a lawyer can take your case to court.

Without representation, you’ll risk settling for less than you deserve.

Steps to Take After an Uber Accident

In the aftermath of an Uber accident, you should:

1. Call the police: Always get an official collision report.
2. Report the crash in the Uber app: This creates an official record with the company.
3. Document the scene: Take photos of the vehicles, the accident location, and any visible injuries.
4. Collect information: Obtain contact and insurance details from the other drivers, as well as any witnesses who saw what happened.
5. Seek medical care: Even if you don’t feel hurt right away, some injuries take time to appear. Be sure to see a doctor to create a record of your condition.
6. Talk to a lawyer: Get in touch with an attorney before speaking to insurance adjusters.

Get Help From an Uber Accident Attorney

Uber accident claims can be difficult to handle on your own. Insurance companies often delay, minimize, or outright deny payment for injuries and other losses.

An Uber accident lawyer from Hopkins Law Firm can guide you through the claims process, represent your interests, and fight for the compensation you deserve.

Schedule a free case review to learn more about your options and take the first step toward justice.