It’s official – Indiana Governor Mike Pence signed a bill permitting companies like Uber to offer ridesharing to residents throughout Indiana. Just like any driving experience, accidents happen. In your own vehicle, it’s a pain, but relatively straightforward. Your insurance company, and likely, the insurance company of the other vehicle will fight things out. So what happens when you’re in an accident in an Uber car?
What Happens When You’re in an Uber-Involved Accident?
Whether you are an Uber passenger, a pedestrian, cyclist or other driver involved in an accident with an Uber provider, things can get a bit complicated. Because Uber considers its drivers independent contractors rather than employees, Uber attempts to deny coverage for injuries sustained during an accident. However, as a passenger of an Uber car in an accident, you may be entitled to compensation from both the driver’s policy and Uber’s additional $1M per ride insurance policy.
Uber offers a helpful infographic outlining the insurance coverage for Uber drivers and passengers. The infographic shows that when an Uber driver is “Available”, Uber provides liability insurance when necessary, up to $50K for injuries, $100K per accident, and $25K for property damage. Basically, if an Uber driver negligently crashes into your vehicle while driving around waiting for a fare, your injuries and vehicle damage should be covered by Uber’s insurance policy, up to the specified limits. Once the Uber driver is en route to a fare, additional coverage kicks in. For the time spent driving to the fare, until the fare is dropped off, Uber provides the following coverage:
- $1M liability
- $1M uninsured/underinsured motorist injury
- Up to cash value for collision and comprehensive coverage
Depending on when the accident happened, you may or may not be able to make a claim against Uber for compensation for injuries and property damage.
Tips to Protect Yourself Following an Uber-Involved Accident
The repercussions of any accident can be severe and the moments just after an accident has occurred can be confusing. Keep these tips in mind if you are involved in an accident involving an Uber driver:
- Get license plate numbers for the vehicles involved.
- Exchange contact and insurance information with all parties involved.
- If there are witnesses, get their contact information and their version of the story.
- Take pictures or video of the accident scene.
- Make a police report – even if there are no injuries.
- Do not admit fault.
- Take notes as soon as possible after the accident so you don’t forget the details.
- Seek medical attention for your injuries.
- Keep all medical records in a separate file.
- Do not make any statements to Uber or insurance adjusters or agents without talking to an experienced personal injury attorney first.
If you have been injured in an accident involving an Uber driver, do yourself a favor and contact the experienced personal injury attorneys at Jacobs Law, LLC or call us toll-free at 317-520-9283. Our car accident lawyers will work tirelessly to protect your interests as well as your financial future.