Uber has become an increasingly integral part of our everyday day lives, especially when it comes to the younger generation, even I use it multiple times a month. It’s a convenient way to get around places without having to worry about your vehicle. With its growing popularity, however, there has been a corresponding rise in Uber-related accidents. It’s easy to forget that while these rideshare apps are accessible, they might cause some damage. In Florida, the question of liability in these incidents is often a complex one. This guide aims to help you understand who might be held responsible for injuries after an Uber crash in the Sunshine State.
Uber’s Insurance Policy and Liability
Have you heared about the Uber Insurance Policy? One of the most crucial aspects to understand when dealing with an Uber accident is the company’s insurance policy. It should be noted that the coverage provided by Uber varies depending on the operating status of the driver at the time of an incident. While your accident occurs, if the Uber app is inactive or the driver is not online, Uber’s insurance doesn’t kick in. Instead, any incidents that occur during this period are expected to be covered by the driver’s personal or commercial insurance policy. The situation changes when the app is active. If a driver is logged in and waiting for a ride request, Uber’s insurance can cover an accident if the driver is at fault. However, this coverage only extends to damage caused to third parties, be it individuals or property, and doesn’t include personal injuries to the driver or damage to their vehicle. The coverage limits in this phase range between $50,000 and $100,000 for bodily injury, and $25,000 for property damage per incident.
When your driver has accepted a ride request and is heading to pick you up as the passenger, they are considered ‘on duty’. This is when Uber’s highest level of insurance coverage comes into play, which includes Up to $1,000,000 in third-party liability coverage. It caters to underinsured or uninsured motorist bodily injury, and comprehensive and collision insurance (assuming the driver has personal auto coverage). However, it should be noted that the specific application of these coverages may depend on individual cases and local regulations.
Rights and Responsibilities After the Accident
After understanding the nuances of Uber’s insurance policy, it is crucial to be aware of your rights and responsibilities if you find yourself involved in a ride-sharing accident. Whether you are a passenger, driver, or a third party, it’s important to understand these steps to keep yourself protected during an accident. Start by ensuring the safety of everyone involved and call 911 if necessary. Next, gather all the relevant information from everyone involved in the incident. It’s also essential to report the accident to the ride-sharing company through their app. Don’t underestimate the importance of seeking medical attention, even if your injuries aren’t immediately apparent. Remember, some injuries can take time to manifest. After you’ve documented the entire incident with a detailed record of all expenses related to it, consider consulting with a personal injury lawyer to guide you through the legal complexities that follow.
The complexities of liability in ride-sharing accidents in Florida can be daunting. However, with a clear understanding of the respective company’s insurance policy and the right legal advice, you can navigate this challenging situation. Always prioritize your safety, collect all relevant information, report the accident promptly, and don’t hesitate to seek professional legal help when necessary. Make sure to reach out to a trusted legal representative who will fight for you throughout the entire process. It’s in your best interest to keep track of these details and make sure you are covered to ensure that you get the justice you deserve.