Understanding How Uber Handles Virginia Auto Accident Claims Differently than Most Companies

Uber is a popular ridesharing company with a multi-billion dollar business and millions of customers. The company is dedicated to protecting its business and revenue model. There are several things that Uber does differently towards this effect.

For instance, they ensure that all drivers carry at least $1 million insurance coverage as uninsured and liability coverage. (For perspective, you should know that the average taxi driver typically holds coverage worth only $15,000.)

Clearly, adequate potential compensation for injuries is available to Uber accident victims because of this comprehensive insurance. Passengers that get injured through no fault of their own may be entitled to higher and a more complete compensation.

If you or someone you love has suffered injury in a Virginia Uber accident, it is prudent to speak with an experienced Uber auto accident lawyer that understands your legal situation thoroughly. Keep reading to learn more about how Uber handles personal injury claims.

Uber Insurance Policy: An Overview

These are a few common accident scenarios and the resulting insurance situation involving Uber:

  1. Uber driver has the Uber app off

Accidents and injuries caused by an Uber driver will not be covered if the Uber app is off. Compensation will be limited to the driver’s personal auto insurance and personal insurance. The at-fault person’s insurance policy will kick in if the accident is caused by someone else driving the vehicle.

  1. Uber driver doesn’t have a passenger request, but the app is on

Uber’s liability policy covers a minimum of $50,000 per person in injury liability if the app is on but the driver is waiting for a passenger request. The policy also covers $25,000 per accident in property damage liability and $100,000 per accident in total liability.

This policy is maintained by Uber on behalf of the driver. The Uber driver is responsible for making a claim against the at-fault party’s insurance if someone else is responsible for the accident.

  1. Uber driver has a passenger request and the app is turned on

This insurance comes into effect when the passenger is already in the car or the Uber driver has a request. Uber’s insurance policy will cover any damage to the passenger, injured party, and property to a sum amounting to $1,000,000.

Typically, the other person’s insurance will need to pay for claims arising out of the accident in the event another driver or person is responsible for the accident. Uber’s insurance policy will cover up to $1,000,000 per accident if the at-fault party is uninsured or underinsured.

Recovering Damages after a Virginia Uber Accident

It can be an uphill battle recouping the costs of your injuries and losses even with all these insurance policies in place. Uber and their insurance carrier may refuse to pay damages if they find fault in your claim. You would want to consult with an experienced Uber car accident attorney in this case. You can enhance your bargaining power with an expert on your side. Advocates also make big companies take personal injury claims more seriously.

The aftermath of any car accident is always overwhelming and confusing. The crash can leave you feeling particularly helpless if you are an Uber passenger. Most ride-share accident victims are not aware of whom to turn to for guidance in the initial few days following a wreck. Car accident attorneys in Virginia can provide much-needed support following an accident.

The first step you need to take is call the police if your driver hasn’t already done so. You should report the accident to the authorities so that there is an official record. Make sure you seek medical treatment even if you think you don’t need it. In some cases, an adrenaline rush prevents pain from the injuries from manifesting. This will give you much-needed documentation of your injuries.

Don’t make the error of believing that Uber will automatically take care of your injuries and damages following a crash. Corporations have a tendency of placing profits over people. You may end up having to take care of your expensive healthcare costs on your own if you don’t proactively advocate for yourself. An attorney can play an important role in ensuring the medical costs associated with the accident are covered.

Types of Compensation

Victims of an Uber accident can recover the full extent of their legal damages. Settlement depends on the severity of injuries and the specifics regarding individual accident claims. These are a few damages you can seek compensation for:

  • Lost wages
  • Medical expenses
  • Pain and suffering
  • Reduced earning capacity
  • Emotional distress, if the injury results in disfigurement
  • Property damage
  • Loss of consortium and companionship

In certain cases, legal damages may include punitive damages that are aimed at punishing the defendant.

Contact an Experienced Uber Car Accident Attorney Today

The attorneys at Shapiro, Washburn & Sharp have a proven track record in handling Uber and other ridesharing accident injuries. We offer free initial consultations to help the victims understand their legal standing and available options. We can help you hold the negligent driver responsible for your injuries. To set up your complimentary consultation, call us at (833) 997-1774 or reach us online.