Determining Liability: Exploring Uber’s Responsibility in Car Accidents
If you were recently involved in an Uber or Lyft accident, you might wonder if Uber is responsible for any damages or injuries. Pursuing Uber claims is much more challenging than you think. You must let the reputable Morgantown Uber and Lyft accident lawyer assess and evaluate your case and protect your rights.
Table of Contents
- Reasons Why Uber Drivers Get in Car Accidents
- What Is Uber’s Legal Liability?
- Uber’s Accident Insurance Coverage
- How to Get the Most Out of Your Claim Following an Uber Accident
Reasons Why Uber Drivers Get in Car Accidents
There are many different causes of Uber car accidents, including the following.
Driving when tired is just as risky as driving while drunk. Despite the app’s safeguards, an Uber driver may work over their allotted time to pick up “just one more fare,” putting the passengers and themselves at risk.
Driving While Distracted
Distracted driving is a significant contributor to traffic accidents. Anything that takes a driver’s attention away from the road, including texting, chatting on the phone, or checking a GPS, increases the likelihood of an accident.
Due to the nature of their work, Uber drivers are often forced to multitask while behind the wheel, increasing the risk of accidents.
The ride-sharing industry was built on the principles of speed and efficiency. An Uber driver should never leave a potential customer waiting too long, which means driving fast or recklessly, putting themselves and others at risk.
What Is Uber’s Legal Liability?
When it comes to Uber’s legal liability for an accident, the key question is whether or not the driver was an independent contractor or an employee of the company.
If the driver is an independent contractor, Uber is not typically liable for any damages during the ride. However, according to ride-sharing laws, Uber must carry insurance on behalf of their drivers to compensate victims for their loss.
Uber’s Accident Insurance Coverage
In the event of an accident involving an Uber, there are three levels of insurance coverage.
When the Driver Is “Off the Clock”
If an accident occurs when an Uber driver is in their car but has not activated the app to take trips, the driver’s auto insurance will cover the costs associated with the incident.
If the Driver Is Transporting an Uber Customer
Uber’s insurance coverage covers drivers for up to $1 million in liability if they accept a customer and transport them while on the clock. This policy will apply when you’re a passenger in an Uber and an accident occurs.
If the Driver Is In Between Fares
When a driver is “on” and available to deliver rides but no passenger in the vehicle, the driver’s personal and Uber’s liability insurance may be in effect.
How to Get the Most Out of Your Claim Following an Uber Accident
If you were hurt while riding with an Uber driver, keep in mind that the company is a business that wants to avoid losing money. They will likely deny liability and compensation if you file a personal injury claim. Further, their insurance company is probably the same as any other motor insurance company and will attempt to minimize your damages.
Having an experienced vehicle accident attorney on your side right after an accident might help you get the most money from the insurance company.