Uber Insurance Coverage for Passengers
When Uber, Lyft, and other rideshare companies first came on the scene, there was a lot of confusion about how drivers needed to handle insurance, what their insurance policies would cover, and which policy paid for injuries to passengers. All too often, the driver’s liability policy refused to pay out when the driver caused an accident because they were using their personal vehicle for ridesharing.
What is the Uber/Lyft Insurance Claims?
Thankfully, most states now require rideshare companies to provide insurance for rideshare drivers. The insurance coverage generally includes contingency coverage when the driver is ready to accept rides but is not yet matched with a rider, and third-party liability coverage once they match with a rider and after they pick up a passenger. An Uber accident lawyer knows how Uber’s policy works and how to recover compensation for passengers in accidents.
Can Uber Have a $1 Million Policy to Cover Passenger Injuries?
According to Uber, all drivers have insurance coverage that kicks in when they are en route to pick up a rider and during a trip when they have a passenger in the car. This policy provides $1 million in liability coverage per covered accident.
This $1 million will provide coverage for the injured rideshare passenger as well as any occupants of other vehicles who suffer injuries if the Uber driver causes an accident. Coverage could include:
What includes in the List of Uber Insurance Coverage?
- Medical care costs;
- Ongoing care;
- Lost wages;
- Out-of-pocket costs; and
- Other related expenses
Uber Insurance Also Cover Bodily Injury Coverage
Uber also provides uninsured/underinsured motorist bodily injury coverage that can kick in if another motorist caused the accident but does not have adequate insurance coverage to pay for the rideshare passenger’s care. Uber providing uninsured/underinsured coverage ensures all rideshare passengers have at least $1 million in coverage no matter who causes the accident or whether or not they have insurance. For more information call a Florida uber accident lawyer.
Can Uber Provides Contingent Coverage Any Time a Driver Be on the App?
In the past, it was an issue for Uber drivers when an accident occurred while they were “on the app” and waiting for a ride request. Too often, the driver’s auto insurance company refused to provide coverage because they were using their car for ridesharing and that violated the terms of their policy. However, the Uber policy did not provide coverage for them because they were not yet matched with a rider.
Uber Insurance Coverage Will Kick your Personal Insurance Policy
Now, this issue has an answer. Uber provides liability auto insurance coverage that will kick in if your personal auto insurance policy refuses to payout. This policy covers injuries and property damage suffered by drivers and passengers of other vehicles in an accident caused by the Uber driver.
Called contingent coverage because it offers a contingency plan when there are no other insurance available, Uber’s policy kicks in only when the driver’s personal policy will not. It provides:
- $50,000 in bodily injury per person injured in the accident
- $100,000 in bodily injury per accident for all victims
- $25,000 in property damage per accident
It is also worth noting that the driver’s personal insurance company and the policy the Uber driver carries with that provider should cover accidents that occur when the driver is “off the app” or otherwise not available for rideshare rides.
What is the Uber Insurance Coverage to Navigating Your Claim?
Our Fort Lauderdale personal injury attorneys understand how to file a claim and demand the compensation you deserve for your Uber accident injuries as a passenger in a Florida rideshare accident. We can help you pursue a payout in your rideshare accident case. Our team can take on even the most complex car accident cases. Uber and Lyft accident cases can be notoriously difficult to navigate, but a Fort Lauderdale Uber accident lawyer will pursue damages on your behalf that include:
- Medical care costs;
- Ongoing care and future care;
- Repair or replacement of damaged personal property;
- Lost wages and benefits;
- Diminished earning capacity;
- Pain and suffering damages; and
- Mental anguish.
Many drivers work for both Uber and other rideshare companies such as Lyft. It is imperative to know whether they were on the app or not and who your ride was through at the time of the accident. Both companies provide similar insurance coverage, but we need to build our case and file a claim with the correct insurer.
How Uber Insurance Lawyers Can Help in My case?
Let us handle the process of pursuing the payout you need and deserve. We can take on your legal case while you focus on healing from your physical wounds. We will investigate the accident, prove fault and liability, and aggressively pursue a fair settlement based on the severity and nature of your losses. If we do not believe the settlement offers to compensate you for your damages, we will not hesitate to take your case to court.
Determining the Value of Your Uber Accident Case
Whenever you are involved in a uber accident of any kind, it is natural to feel confused about what to do next. The trauma of the accident and a lack of knowledge of the law can leave you with a lot of questions. One of the most common questions asked by car crash victims who are bringing forth a lawsuit is how much compensation they might be able to receive. This is not the easiest question to answer because there are several different factors that can affect your compensation. One of the newer complications to this is the advent of rideshare cars such as Uber and Lyft that are on the road. Here’s a breakdown of what goes into determining your compensation in a rideshare related vehicle crash.
- The first and most important aspect that goes into determining how much you can get in compensation is the extent of your injuries. One of the first things you will need to show documentation of is your medical treatment so that your attorney can determine what injuries you have sustained and what you can get in reparation for those injuries. This is why it is of utmost importance to get medical treatment immediately after the accident. If you wait, the opposing attorney may be able to say that the injuries are not so severe or were caused by something other than the accident. Your doctor will also be asked to estimate your projected medical care costs from the accident as these future medical costs (including rehabilitation and physical therapy) will also figure into your compensation.
- The next area that can impact your compensation is economic losses. This is also a two-pronged area. First, compensation can cover immediate economic loss such as lost wages in the present as you recover from the car crash. It also includes future earning losses if you cannot continue to work after your accident due to your injuries or potential disabilities.
- The third compensation factor is “pain and suffering.” This can be awarded by a judge or jury on the basis of a daily amount to compensate the victim for the physical pain and emotional suffering that they have faced since the accident.
- If the defendant is found to have acted in a grossly negligent manner (such as through drinking and driving), then he can also be ordered to pay punitive damages which are meant to punish the driver for his actions.
- The final factor in determining your compensation is the insurance coverage from the rideshare company. In general, Uber and Lyft drivers have a $250,000 coverage limit if there is no passenger in the car, but a $1,000,000 limit if the driver is en route to pick up or drop off a passenger. Uber Accident Claims
The Law Office of Wolf & Pravato Can Maximize Your Uber Insurance Coverage
Ultimately, one of the most important factors is the law firm that you choose to represent you. An experienced firm can help to maximize your compensation. The Florida uber accident attorneys at the law office of Wolf & Pravato are the Lyft accident lawyers that you need representing you if you have been injured by a rideshare vehicle driver. We can help you get the compensation that you deserve. Contact us today for a consultation to review your case and apprise you of your rights in this matter.
Talk to an Uber Accident Lawyer About Your South Florida Accident Today
If you or a member of your family suffered injuries while riding as a passenger in an Uber, Lyft, or another rideshare, you may be able to file an insurance claim based on a $1 million policy provided by the rideshare company. The attorneys from the Law Offices of Wolf & Pravato can review your case for free and ensure you understand your legal rights and options before we take any action on your behalf.
Lawyers At Wolf & Pravato Will Help in Your Uber Insurance Coverage
Our caring and attentive staff are responsive to your needs and will answer any questions or concerns you have. We can pursue the payout you need and deserve after a rideshare accident. Let us get started on your case today. Call 954-633-8270 to discuss your accident with a member of your team. We can take on your case at no out-of-pocket cost to you.
We also help the victims of a uber accident in the following cities: