Lyft or Uber accidents might happen without any warning. Both Uber and Lyft have grown to be multi-billion-dollar businesses. As a result, they make sure that their drivers are insured for $1 million in liability and uninsured or underinsured motorist coverage. An average driver, on the other hand, only has $15,000 in injury liability.
Because of the insurance coverage, anyone wounded in a Cincinnati Uber accident where they were not at fault may be able to seek more comprehensive compensation for medical expenses, lost wages, and pain.
You may be entitled to considerable compensation if you are:
- A driver or passenger who has been hurt in an accident caused by a ridesharing driver.
- A ridesharing driver was hurt in an accident caused by another driver.
- A passenger in a ridesharing vehicle who got hurt, regardless of who is at blame.
What Happens During an Accident?
The unfortunate truth is that as the ridesharing sector grows, these types of accidents will undoubtedly become more common. The consequences can be financially devastating without rideshare insurance. Regular auto insurance won’t cover you in many circumstances, so you’ll be susceptible without insurance. You put not just your safety but also your livelihood in jeopardy. Expenses regarding the accident can quickly accumulate over time as well.
What Happens After an Accident?
Frequent Uber drivers and riders should know that rideshare insurance varies from regular car insurance in several significant ways. When you take an Uber ride, your safety is entirely in the hands of the driver. You are entitled to compensation if you are injured. As a passenger, you are typically an innocent victim in most accidents. It doesn’t take much to prove it.
The most challenging hurdle for passengers is proving the severity of the injury, and their misconception is believing that Uber or Lyft will simply cover for them. The truth is that, like many organizations, Uber and Lyft prioritize their own profit margins over the well-being of their customers. As a result, you could be left dangerously trapped after Uber accidents if you don’t have the necessary awareness and preparation.
You can seek compensation for medical expenses, lost earnings, mental anguish, and other expenses if you were harmed in Uber accidents.
Dealing with Insurance After Uber Accidents
You should be able to work out a settlement with the insurance providers if your accident results in car damage but no injuries. There will be a $1,000 deductible for collision coverage if you have Uber driver insurance, regardless of whether the accident was your fault or not.
When telling the specifics of the accident to the adjuster from the other insurance company, be cautious. If you say something inappropriate, your insurance coverage may be reduced. Before communicating with the adjuster, it’s best to seek legal advice. After you’ve given all of the participating parties’ insurance providers the details they need, they’ll negotiate a deal with each other.
What To Do After Uber Accidents
Here are the steps you should take if you’re involved in a rideshare accident.
- First, ensure everyone’s safety as it should be your primary concern. Contact the paramedics if someone has been injured. Minor injuries should not be overlooked because they could be more severe.
- Second, note down everything that happened in the accident because it may be needed to back up your claim later on.
- Collect all concerned drivers’ insurance, and fetch information related to their licenses. Speak with any witnesses and kindly request their contact details. Typically, you’ll want to call the cops and have them file a report, which can be used as proof later.
- Third, if you are harmed, you should seek medical attention. Getting medical help will help you build a strong case for your personal injury claim. It will be considerably more difficult to prove the severity of your injuries and wounds without medical treatment. The more documentation you have of your injuries, the better your case will be and the more compensation you could receive.
- Finally, contact a rideshare accident attorney as soon as possible. You should also arrange treatment right away, as failing to do so may compromise or result in the loss of evidence. Last but not least, if you do not claim as per the applicable statute of limitations, you will forfeit your right to compensation.
Most ridesharing services, including Uber and Lyft, give up to $1,000,000 in liability insurance under their commercial policy. Cases related to Uber accidents are new, and as a result, the laws covering them can be considered uncharted waters. It is advisable to seek appropriate legal guidance from experienced rideshare attorneys under such instances.