Uber offers numerous benefits – from helping you avoid a DUI when out with friends to giving you the opportunity to save on gas money or deal with parking. While Uber is great, the vehicles are still driven by humans. And, humans are prone to err. Whether the driver was drowsily driving, distracted driving, or acting negligently in some way, how will you be compensated for the injuries he or she caused? Unfortunately, it is hard to understand the laws regarding ride-sharing services, and Uber doesn’t make it easy for injured victims to understand their rights or collect compensation.
When you enter an Uber or another ride-sharing company vehicle, you are accepting a ride from a stranger. But, you are paying for a safe ride by paying the driver the fee. Uber does claim that these fees help cover the cost of background checks, motor vehicle screens, and driver safety education courses. However, accidents will happen regardless of the checks that a company does. The issue, however, is that Uber and other ride-sharing program drivers aren’t employees. Therefore, Uber claims that they are not liable for the actions of their drivers, because they are independent contractors.
The Uber $1 Million Insurance Coverage Policy
If you have been following the news, you may have heard about Uber’s latest $1 million insurance coverage – they even advertise it on their company website. This states that drivers are now covered by a three-part insurance plan, but the coverage will depend on what the driver was doing at the time of the accident. These coverage levels include:
- Not Working – When an Uber driver is using their own vehicle, but they are not available to pick up Uber passengers, then they are covered by their personal insurance. That means that all liability and coverage limits are based on his or her policy.
- Working, but Not Driving Passengers – If an Uber driver is working, but not carrying passengers at the time of the accident, he or she is covered by his or her own personal insurance. Uber does, however, provide contingent coverage of $50,000 per injury (with a maximum of $100,000), as well as up to $25,000 in property damage coverage.
- Driver is Carrying a Passenger and Working – If the Uber driver is working and has a passenger, then both are covered under the Uber $1 million policy.
Receiving Compensation Still Not Easy
Uber states that they are there to offer coverage, but getting that coverage payout is not easy. Instead, Uber will do everything they can to fight your claims. They will also use the independent contractor argument when injuries are severe.
So, if Uber still will not pay, what are your options?
If you are a passenger for Uber, it is in your best interest to contact a personal injury attorney after an accident. An attorney will not only negotiate with Uber to access their coverage, but may be able to file a claim against Uber or the responsible driver to cover your damages – including lost wages and medical bills.
After your vehicle accident, contact the Law Offices of Clarke Nash. You shouldn’t have to pay for your medical bills, property damage, and even time off work for someone else’s negligence. Schedule a consultation now at 912-200-5292, or request your appointment online.