This blog post will help you understand Uber’s insurance policies according to the perspective of Uber accident lawyer Los Angeles and how they apply in different accident scenarios to determine who’s liable in an Uber accident. We’ll also discuss key factors in detail that determine liability and the importance of seeking legal counsel for Uber accident claims.
Uber’s Insurance Coverage in Los Angeles
Uber maintains a commercial insurance policy that provides varying coverage depending on the Uber driver’s app status at the time of the accident:
- Offline or App Off: The driver’s personal insurance is the primary coverage.
- App On, Waiting for a Ride Request: Uber provides contingent liability coverage, which is secondary to the driver’s personal insurance.
- Ride Accepted to Passenger Drop-off: This is when Uber’s primary insurance coverage kicks in. It offers:
- Third-party liability coverage: This covers injuries and property damage to passengers and other drivers not affiliated with Uber, up to $1 million per accident. (According to a 2023 study by the Insurance Institute for Highway Safety (IIHS), the average cost of a bodily injury claim in California is $18,341. Uber’s $1 million per accident coverage may seem substantial, but depending on the severity of the injuries, it may not be enough to fully compensate victims.)
- Contingent comprehensive and collision coverage: This covers damage to the Uber driver’s vehicle if their personal insurance doesn’t apply or is insufficient.
- Uninsured/underinsured motorist (UM/UIM) coverage: This protects passengers and the Uber driver if the at-fault driver has no insurance or inadequate coverage. (A 2022 report by the California Department of Motor Vehicles (DMV) states that an alarming 16.5% of drivers in California have no car insurance. Having UM/UIM coverage is crucial in such scenarios.)
It’s crucial to understand that Uber’s insurance only applies if the Uber driver was actively using the app at the time of the accident.
Determining Liability in Uber Accidents
In an Uber accident, liability can fall on multiple parties depending on the circumstances. Here’s a breakdown of potential scenarios:
- Uber Driver at Fault: If the Uber driver’s negligence or recklessness caused the accident (e.g., distracted driving, speeding, failing to yield), they will be held liable. Uber’s insurance will likely cover the damages to third parties, but you may need to file a claim against the driver’s personal insurance policy for additional compensation.
- Another Driver at Fault: If another driver caused the accident, their insurance should be the primary source of compensation. You can file a claim directly with their insurance company.
- Shared Liability: California follows a comparative negligence law. This means that fault for the accident can be shared between parties. An Uber accident lawyer Los Angeles can help determine the percentage of fault attributed to each party, ensuring you receive fair compensation for your injuries.
What to Do After an Uber Accident in Los Angeles
If you’ve been injured in an Uber accident, follow these steps:
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Seek Medical Attention:
Your health is the top priority. Get immediate medical attention and document all injuries and treatments received.
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Report the Accident:
Report the accident to Uber through the app and file a police report if necessary.
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Gather Evidence:
Collect any evidence available, including photos of the accident scene, damage to vehicles, and witness statements.
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Contact a Los Angeles Uber Accident Lawyer:
An experienced lawyer can investigate the accident, determine liability, and negotiate a fair Uber accident settlement on your behalf.
The Importance of Hiring a Los Angeles Uber Accident Lawyer
Uber accident claims can be complex, and dealing with insurance companies alone is not recommended. Here’s why an Uber accident lawyer Los Angeles from Fassonaki Law Firm, P.C. can be invaluable:
- Investigate the Accident: Our team will thoroughly investigate the accident, gathering evidence and identifying all potentially liable parties.
- Determine Liability: We will analyze the facts and California law to determine who is responsible for your damages.
- Handle Insurance Claims: We will deal with Uber’s insurance company and any other involved parties’ insurance companies on your behalf, ensuring you receive the maximum compensation you deserve.
Being involved in an Uber accident can be a frightening and confusing experience. Understanding Uber’s insurance policies and the factors that determine liability is crucial for navigating the legal process and securing the compensation you deserve.
If you’ve been injured in an Uber accident in Los Angeles, don’t hesitate to seek help from a qualified Uber accident lawyer. Here at Fassonaki Law Firm, P.C., our team of experienced attorneys has a proven track record of success in securing maximum compensation for our clients. We understand the complexities of Uber accidents and will fight for your rights every step of the way.
Contact Fassonaki Law Firm, P.C. today for a free consultation. We’ll answer your questions and help you determine the best course of action for your Uber accident claim.
Remember, seeking legal counsel empowers you to make informed decisions and protects your best interests. Don’t settle for less than you deserve.