Choosing to take an Uber ride instead of driving your own vehicle around Orlando can be a great idea, and can help you avoid the hassle of navigating traffic, finding parking, and is an excellent option for getting home safely after a night out with friends. Uber, as well as other ridesharing services like Lyft, have rigorous vetting processes for their drivers, and ongoing quality checks including user ratings, incident reports, and many other indicators for how well and how safely a driver is transporting their fares. These high standards are an important part of why you can feel comfortable climbing into a complete stranger’s car to get you to and from where you need to be.
Knowing that Uber has such high standards for their drivers is important, but the unfortunate reality is that there will never be a guarantee that you will be able to take a ride with 100% certainty that you will not be in an accident. Luckily for victims of Uber accidents, there is a robust insurance policy that covers all drivers who are actively engaging in a ride that you will be able to seek compensation from. Remember, though, that like any insurance company, the insurance company covering the Uber driver has a vested interest in paying you as little as possible.
Hire an Orlando Uber Accident Attorney Today
The resistance from the insurance company, as well as some complications that are specific to Uber and ridesharing accidents, means that you can anticipate a complicated process in order to get the money that you are entitled to. Trying to understand the complex process of getting the money that you deserve after being hurt in an Uber accident is complicated even if you aren’t trying to recover from injuries, and it is only more overwhelming while you are trying to focus on healing at the same time that you are trying to get a fair settlement.
When you are working with an attorney, you can prioritize your needs while enjoying the confidence and peace of mind you get knowing that there is an experienced and diligent legal professional who is fighting for your rights. Trying to find an attorney who is available to take your case, though, can be a complicated matter of its own. Luckily, CarAccidentAttorney.com can connect you with an attorney who is ready to take your case today. CarAccidentAttorney.com is an attorney and medical referral service.
Read more below about Uber accidents in Orlando, and contact us now to connect with an attorney today.
What Makes an Uber Accident Different From Other Accidents?
Every car accident is unique, and the injuries and damages that the accident causes are all highly specific to the crash itself. However, the administrative processes of a car accident are fairly standard, including a claims investigation, negotiations, and a settlement. However, when you are involved in an accident with an Uber driver—whether you are a passenger or another driver—the process is slightly more complicated because of the coverage extended to Uber drivers.
When Does Uber’s Insurance Apply?
An Uber driver, unlike a taxi driver, is not an employee of the company; instead, they operate as independent contractors, and Uber is operating as a platform connecting them to people who are looking for a ride. There are many different implications to being designated as an independent contractor instead of an employee, but one of the most relevant details to your accident is that a driver is only covered by Uber’s insurance policy in certain situations, and is covered by their own personal insurance all other times.
While Waiting For a Fare
As soon as a driver hits “GO” in their Uber Driver app, they are covered by the following:
- $50,000 for the driver’s liability for bodily injury per person case of a covered accident
- $100,000 per covered accident
- $25,000 for property damage for which you are responsible for in a covered accident
En Route To Pickup or During a Passenger Trip
Once a driver has accepted a ride and is either driving to pick up the passenger or in the process of driving the passenger to their destination, they are covered by a far more comprehensive policy than while waiting for a ride request.
- Third-party liability coverage of at least $1,000,000.
- Uninsured or underinsured motorist bodily injury coverage
- Contingent comprehensive and collision coverage if a driver has comprehensive and collision coverage on their personal auto insurance.
The specifics of each of these coverage areas should be discussed with your attorney as you are working together to understand your rights and options for seeking compensation after your accident.
Frequently Asked Questions About Orlando Uber Accidents
The following are just a few of the many questions that you and others likely have in the early days and weeks following your accident. The answers provided are intended to give you a high-level understanding, but the only way to get an accurate answer is to work with a personal injury attorney so that they can make recommendations based on the specifics of your case.