Fairfax Uber Accident Lawyer
All car accidents are frightening experiences, but when you are injured in your own vehicle, at least you know that you have insurance to cover the damage to your property and possibly your medical expenses.
But who is financially responsible if you get injured as a rideshare passenger in a wreck, and either the Uber driver or another involved driver is at fault? The laws and regulations that apply to rideshare services continue to change and evolve. That’s why it’s best to contact a Fairfax Uber accident lawyer from Priale & Racine, PLLC.
Our firm stays up to date on the ever-changing rideshare laws, and we offer legal advice on which insurance companies are responsible for covering your injuries; we can also help you file your claims and prove who’s liable.
We will investigate the accident itself to determine who was at fault, allowing you to recover a settlement to pay for your injuries.
When Is Uber Financially Liable?
Unlike taxis, buses, and other forms of public transportation, Uber mostly employs “independent contractors” to drive passengers around. With most public transportation, the drivers are company employees and are therefore covered by the company’s insurance coverage.
Uber doesn’t consider itself a taxi service; rather, the company believes their app merely “connects” people with willing drivers in their area. As they see it, they are more like a service that sets you up with something you need—in this case, a ride.
As a result, Uber holds the position that their drivers aren’t employees, so the company shouldn’t be responsible for their actions in all situations.
New policies are slowly changing Uber’s position, and now Uber has taken out an insurance policy that will cover its drivers under these circumstances:
- If an Uber driver injures someone and they have a passenger in the vehicle, Uber will cover up to one million dollars of personal injury and other damages, but only after the driver’s personal insurance has been exhausted.
- If an uninsured or underinsured motorist is the at-fault driver in a collision involving your Uber driver, Uber has an uninsured motorist policy protecting you for up to one million dollars.
- If the Uber driver is logged in on the app but is not carrying a passenger at the time of an accident, Uber’s insurance policy will cover up to $50,000 in damages.
- If, however, another driver is the at-fault party in a collision and the other driver does have insurance coverage, the driver’s insurance coverage would be used first, and Uber’s insurance would only kick in as secondary insurance.
Understanding Uber Car Accidents and Insurance Claims
All accidents are different, and determining fault is incredibly important in deciding whether a claim can be filed, how much the claim is worth, and which insurance company is responsible for the damages.
Not all accidents are clear-cut, so it’s best to allow your Uber accident lawyer to investigate for you, decide which insurance company (or companies) to include in the demand letter, and how much money to request.