Many people wonder how they will be compensated if their Uber driver has a car accident. Since rideshare services like Uber are still relatively new, not many auto insurance companies have incorporated rideshare accidents into their policies. This leaves many injured passengers unsure about whether they will be compensated. Do not hesitate to call a Tampa Uber accident lawyer if you find yourself in this situation.
Does Auto Insurance Cover Uber Accidents?
The reality of rideshare car accidents is that most auto insurance companies do not include coverage in standard policies. Overall, the issue remains complex with Uber drivers not being covered by their standard auto insurance the moment they turn their rideshare app on.
In other words, when the Uber driver is operating as an Uber driver, they are no longer covered by their personal auto insurance. This is because Uber drivers are considered part of a commercial enterprise, meaning they would need coverage from commercial auto insurance. Since passengers are customers, this demands the need for commercial insurance.
Things become more complex when looking at the details of what personal auto insurance does not cover. Uber drivers not only lose coverage when driving customers around but also when they do not have passengers in the vehicle. Coverage is not provided when an Uber driver is picking up a passenger and when the Uber app is active while driving.
The way this impacts passengers is a lack of compensation. This means if you find yourself in an Uber accident as a passenger, you may not be fully covered. You could find yourself paying out-of-pocket for the injuries and other damages you suffered in an Uber accident.
What to Do After a Car Accident
There are several important car accident steps you can take to increase your chances of compensation. First, make sure you or anyone else is safe from additional harm like fires or oncoming traffic. Do not move severely injured people and be careful not to worsen your injuries when moving. Call 911 when anyone is injured.
Exchange basic contact and auto insurance information with the Uber driver. Take pictures of your injuries and the accident scene as evidence. Later, obtain copies of your medical records and the police report for your accident claim. Submit this to the appropriate auto insurance company and await further instructions.
Consider contacting a Tampa accident lawyer if you run into any obstacles with your accident claim. An experienced lawyer can help you figure out why your claim was delayed or denied. Your lawyer can also help you take steps to maximize your compensation to cover your damages.
Tampa Car Accident Lawyer
Navigating through the complexity of an Uber accident can be overwhelming. All you have to do is contact the Rebein Law Firm by dialing (813) 305-7285 to speak with a Florida personal injury attorney for a free consultation today. Our experienced team of lawyers might be able to help you obtain compensation for medical expenses, pain and suffering, and lost wages. We serve clients throughout the Florida cities of Tampa, Hillsborough, Pinellas, Sarasota, Manatee, Pasco, and Polk County.