What you will do in case of Uber accident?
The vehicle used by the Uber driver is used as a personal and work vehicle. When the driver is not logged in on the app, the only insurance that applies is the driver’s private insurance. Once the driver logged into the app and is connected to a passenger, Uber offers a supplemental liability in addition to the driver’s personal insurance coverage. Once the driver has already picked up a passenger and is transporting them to their destination, Uber provides up to $1 million in liability coverage.
The drivers are not Uber’s employees but are independent contractors who provide services under Uber. This is one way for Uber to avoid liability when drivers have accidents.
If you are an Uber driver, you must understand the terms of your car insurance and the coverage offered by Uber. You need to know these things before you encounter an accident.
Insurance companies are offering personal car insurance to cover Uber drivers in all stages of their rides, including personal use. If you are a driver and you fail to realize the gaps in your insurance coverage, it could lead to more significant problems in the future.
Many insurance companies do not cover any type of “commercial driving.” A driver may think that his personal car insurance coverage will protect you in an accident. The driver’s claim may be declined once the company learned that he is driving for Uber.
The Issue of Fault
Uber insurance should pay for the coverage if the driver is online at the time of the accident, regardless of who is at fault. Uber’s insurance company will try to put the blame on the driver and pull the independent contractor card. If you are found to be at fault and you are not covered, you could be sued.
If you are involved in a car accident while riding in an Uber vehicle, you can file for claims. It is best to talk to a personal injury lawyer before settling. The lawyer will help you get the proper compensation for the injuries and the trauma that you experienced in the accident.