Nobody orders an Uber ride expecting to leave in an ambulance. Getting involved in a crash like that can be extremely stressful. As an innocent passenger, you are left to deal with the shock of a crash caused by someone else. If you find yourself in a similar scenario, understanding how certain corporate claims work is the way to ensure you receive fair compensation for the injuries and damages suffered.
How does the claim work?
There are various factors that influence the status of an Uber accident claim. Rideshare accidents have complex legal and insurance layers compared to standard car collisions. Uber’s insurance policy coverage depends on the status of the driver at the exact moment of the accident. The common factors that would affect a claim include:
- Offline status of driver: Under this circumstance, only the driver’s personal auto insurance policy is in effect.
- Driver online or waiting for ride: Uber’s insurance generally covers liability up to $50,000.
- Driver transporting a passenger: Uber’s $1 million liability insurance would be in effect if the passenger is injured during a crash.
Under Virginia’s fault-based system, the party responsible for causing the accident is liable for damages. Therefore, in Uber-related collisions, the liability could fall on the rideshare driver, Uber’s corporate insurance or the other driver involved in the crash.
In rare cases, you could also sue the rideshare company for your injuries and property damages if Uber allowed negligent hiring such as drivers with a history of reckless driving and DUI charges.
Securing the fair compensation
Damages in any car crash can be substantial, and navigating claims against Uber or other parties can be highly technical and complex. Having legal guidance can help you pursue appropriate claims to maximize the compensation for which you may be eligible.