If you or a loved one has been injured in an accident involving an Uber vehicle, it is essential to speak with an Uber accident lawyer. Sometimes, your Uber accident attorney can help you collect compensation from Uber. In addition, it will help you understand the differences between rideshare and standard auto insurance.
Getting compensation from Uber
If you have recently been injured in a car accident with an Uber driver, you should know your rights and the process of obtaining compensation. Uber is not a traditional transportation company; instead, it is a service that connects drivers and passengers. This means that Uber drivers are not employees and therefore do not have the protection of workers' compensation laws. In addition, the company does not withhold taxes from drivers' wages and does not provide regular employee benefits. This makes it difficult for Uber drivers to claim workers' compensation if injured.
Even though Uber has insurance coverage for its drivers, this does not mean it can pay out compensation in case of an accident. Instead, the company will try to deny responsibility for the accident by saying that the driver was not technically contracting with the company and therefore was not liable for the accident.
Comparing Uber to regular auto insurance
Understanding the differences between Uber and standard auto insurance policies and how they compare in terms of coverage limits is essential. For example, Uber offers higher limits than standard auto insurance, including $50,000 per accident for bodily injury and $100,000 for property damage. In addition, it provides Uninsured Motorist (UM) coverage. However, these limits will differ depending on the circumstances and fault of the other driver. For example, Uber limits are higher if the other driver is at fault and the other driver has no insurance or is underinsured but still has an insurance policy.
In New York, Uber drivers must have at least the minimum liability coverage to operate their cars. In an accident involving an Uber vehicle, the driver may not be at fault, and they can still claim damages and file a personal injury lawsuit. However, Uber drivers must report accidents to their insurance carrier as soon as possible, so following the company's rules is essential. Doing so allows you to file an accident claim and repair your vehicle without waiting for the insurer to respond.
Understanding rideshare insurance differences
If you're considering becoming an Uber or Lyft driver, you'll want to understand rideshare insurance differences. These policies vary slightly from state to state but generally cover the same things. You'll need liability insurance, collision, and comprehensive coverage, and some rideshare companies offer a contingent range for their drivers. However, it's important to note that these policies won't insure you at higher levels than those required by your personal auto policy.
The premiums for rideshare insurance vary depending on the state and the company that provides coverage. Many rate factors play a role in determining the price, including driving history, age of the car, and claims history. If you're interested in learning more about the differences, please contact several local companies and ask for quotes.
Although rideshare companies generally provide full coverage in periods two and three, drivers may need to learn that there's a gap in period one. If an accident occurs, they're on the hook for liability damages but may not have coverage for repairs. Different rideshare companies also have different levels of coverage for period one. However, adding a rideshare gap endorsement to your auto insurance policy can keep you fully insured during period one.
Contacting an Uber accident lawyer
When you're involved in an accident with an Uber driver, it is essential to obtain medical care as soon as possible. After the accident, you should contact the police and get a police report. Even though these reports may not be admissible in court, they can be helpful when it comes to insurance claims. You should call 911 if you are seriously injured, and your driver will send emergency responders to the scene. You should be able to exchange contact information with any witnesses to the accident.
Even if you don't feel like you've suffered any injuries, you should contact an Uber accident lawyer for legal assistance. These attorneys specialize in the field of ridesharing accidents and are familiar with the specific legal procedures involved. These lawyers will help you make the most of your financial recovery after an Uber accident.
It is crucial to contact the authorities immediately following an Uber accident, even if it's minor. A police report will help you to get a fair settlement. The exact amount you'll be awarded depends on the circumstances of the accident and the extent of your injuries. I would also like you to contact your Uber accident lawyer to find out who's at fault.