Every time an Uber driver gets behind the wheel of their car, they risk
not just their own safety, but the source of their livelihood as well.
The bills from an Uber accident can be expensive, and when they start
to pile up, these bills can financially ruin an Uber driver just as badly
as any injury would. Furthermore, Uber drivers often face unforeseen difficulties
after an accident because they tend to be unaware of what steps they need
to take to ensure they are adequately compensated. In this blog, we explain
what you need to know about
Uber Driver Accident Insurance
In addition to their normal insurance policies, Uber drivers are also required
to be covered under the company’s insurance policy as well. The
rideshare insurance system is notoriously difficult to navigate because
it is different than your average car accident claim. Many Uber drivers
assume that the company will protect them if they are involved in an accident.
This is not always true, the level of protection that the company is liable
for will depend on the circumstances of your accident.
Uber is known to be unreliable when it comes to compensating their drivers
for accidents. Just like other for profit companies, Uber wants to avoid
paying any unnecessary expenses. Uber drivers should expect their employer
to fight their claim just as hard as an insurance company would, especially
if someone was injured in the accident.
Uber takes no responsibility for accidents that happen on a driver’s
own private time, and in some situations they are not liable for accidents
when the driver’s app is on. Because Uber drivers are independent
contractors, Uber has substantial leeway when it comes to their liability
for accidents. This often benefits Uber in accident situations. One of
these benefits is that drivers are only “on the clock” once
a passenger has requested a ride. During the request period, Uber is not
liable for accidents. Drivers would instead have to rely on their own
insurance policy for this situation.
When the driver is in route, to pick up the passenger, they are typically
covered. However, proving that the driver had a passenger at the time
of the accident can be tricky. Sometimes passengers cancel a ride as a
driver is picking them, while other times, passengers leave the scene
of the accident. It can get complicated when a passenger or driver is
injured in these situations.
Whenever you’re in an accident that results in injuries to you or
another person, you should immediately consult with an attorney to discuss
what forms of compensation are available for you. An attorney can work
on your behalf to negotiate with Uber and the other party’s insurance
company to get you reimbursed for your damages.
Contact our New York car accident attorneys
today if you have been involved in an Uber accident. We offer fee case
consultations 24 hours a day, 7 days a week.