Being in a car accident is stressful enough, but what happens when you least expect it – while you’re sitting in the back of an Uber? How do you get compensated after an accident involving an Uber? Here’s what you need to know about how to best respond when it happens to you and what you need to file an Uber car accident claim.

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    What Happens If You Get Into An Uber Car Accident?

    Uber considers a few different factors in determining liability coverage during the rideshare process. They are largely based on who’s at fault and when the accident occurred during the rideshare process. Here are the key factors and corresponding coverage:

    • Waiting and At-Fault Uber Driver: If the at-fault driver was waiting for a ride at the time of their accident, then liability coverage is up to $50,000 per person, $100,000 per accident plus $25,000 in property damage.
    • Commissioned and At-Fault Uber Driver: If the at-fault driver accepted the ride and was on the way for pick-up or had a passenger in the car, then liability coverage increases to $1,000,000 per accident, plus certain benefits.
    • Not-at-Fault Uber Driver: If the $1,000,000 uninsured or underinsured coverage applies and another driver caused the accident, you can also file a claim with the secondary driver’s insurance company.

    What Should You Do If You're In An Accident With An Uber?

    Get Medical Help

    Seek emergency medical assistance and a medical exam to determine, attend to, and document any physical injuries. The longer you wait to be seen by a doctor, the less likely you will receive a payout by Uber that will fully compensate your losses.

    Report The Accident To Uber And To The Police

    Immediately after the accident occurs, notify Uber through the emergency app function and stay in communication with the Uber claims agent throughout the process. Remember to fully complete an Uber accident report or Uber incident report form. Also, call the police so that they may document what happened in a report that you can file with Uber car accident claims

    Gather Evidence About The Accident

    Take photos of the uber accident and gather insurance information and other details about the at-fault driver, other injured persons involved and witness bystanders. Remember to document your version of the facts as they occurred.

    Seek Professional Guidance As Best You Require

    Consult an attorney to obtain the best possible representation for your claim and obtain a favorable settlement for your case. Remember not to post anything on social media about the accident as this could harm your future case.

    Getting Compensated For An Uber Car Accident

    Determining the best possible route for how you get compensated after an Uber car accident depends on who you are in relation to the accident and who exactly was at fault. Here are a few permutations to consider:

    The Uber Driver Caused The Accident

    You’re A Passenger

    As an Uber rider, you’re almost certainly not liable for any accidents caused by your Uber driver. Compensation is usually generous because of the $1,000,000 recovery limit. Also, always obtain medical assistance no matter how you feel, as the injury onset might occur well after the accident and you can submit an ongoing injury record with Uber liability insurance claims.

    To ensure your rights are protected you may also want to file a third-party personal injury and property damage claim with the at-fault driver’s insurance. However, know that many private insurance companies contain a provision that prevents any Uber independent contractor claims while they’re on the job. It’s your responsibility to prove your claim, including who was at fault.

    You’re A Third-Party

    Similar rules apply to third-parties injured by uber driver negligence. Remember that generally, the more accident victims are involved, the longer the claim will take to resolve. And be mindful not to file your claim at the back of the line for the $1,000,000 Uber liability coverage because you don’t want to be left out.

    The Uber Driver Was Not At Fault

    You’re A Passenger

    The at-fault driver’s insurance company will process the claim and a smaller Uber recovery might also be available to you. Your own personal insurance might also be allocated for you depending on the specifics of your insurance policy.

    You’re The Uber Driver

    Uber’s liability insurance will only pay for the driver’s auto damages if the driver has personal collision coverage on their car and the driver was in no way at fault. Uber will cover the driver’s personal injury in the case that the other driver was at fault and uninsured or underinsured, where Uber carries $1,000,000 additional coverage for such motorists.

    Do You Need Help Getting Compensated After An Uber Car Accident?

    Dealing personally with insurance companies and filing your Uber car accident claim can be exhausting at best and demoralizing at worst. So you can focus on healing, consider getting a free review of your case from an experienced legal professional who can walk you through the Uber accident settlement process.

    Legal Disclaimer: This article contains general legal information but does not constitute professional legal advice for your particular situation and should not be interpreted as creating an attorney-client relationship. If you have legal questions, you should seek the advice of an attorney licensed in your jurisdiction.

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