A regular hit-and-run accident comes with many difficulties for the injured parties. But when the hit-and-run was caused by an Uber driver, everything gets even more complicated. In a regular car accident, you would exchange insurance information with the driver who caused the accident. A hit-and-run, however, is different because the driver who caused the accident flees the scene before you can ask them for their information.
And when an Uber driver was the cause, you have even more to deal with because you don’t have much information and you’re up against a big company. You’ll need the help of an experienced rideshare lawyer to fight for your rights.
Insurance Coverage for Rideshare Drivers
You might think that a rideshare driver would flee an accident they caused because they don’t have insurance. But depending on whether or not the app is on when an accident happens, rideshare drivers could be covered by Uber’s insurance. Here are the different levels of insurance for drivers:
- Uber app is off. When the app is off, the driver’s personal insurance covers accidents.
- Uber app is on, waiting for ride request. When the app is on, but the Uber driver hasn’t been matched with a passenger, the driver is supposed to first file with their own insurance company in the event of an accident. If their personal insurance rejects it, the driver is covered by Uber’s insurance that covers $50,000 for injury liability, $100,000 for total liability, and $25,000 for property damage per accident in this level.
- Uber app is on, picking up and driving riders. When the app is on and the driver has been matched with a passenger, the driver has even more coverage through Uber that lasts until the passenger arrives at their destination. That coverage is for up to $1,000,000 per accident when they’re liable to a third party. They are also covered with uninsured/underinsured motorist insurance. When it comes to damage to their car, they are covered up to the actual cash value of the car with an $1,000 deductible.
With all of this insurance, it seems as though an Uber driver would feel covered if they cause an accident. But even with this coverage, if the driver flees the scene, this insurance information could mean nothing to you as a victim.
Even so, it could help to know Uber’s insurance policies so that you know what to expect from Uber if you can prove liability of an Uber driver. A regular accident with an Uber driver could result in negotiating for damages from three separate insurance companies. After a hit-and-run, it could be even more work for you to reach out to Uber’s insurance companies to file your claim.
When You’ve Been in a Hit-and-Run
Hit-and-run accidents are worse than regular accidents because the party at fault has fled the scene. This leaves you without their insurance information and so you are forced to rely on your own coverage or paying from your own pocket. They could have caused serious injuries and damage to you, but it’s hard to track them down to be held responsible.
If you’ve been in a hit-and-run accident caused by an Uber driver, you’ll need to prove their liability and have proof of the damages they caused. After a hit-and-run, it’s important for you to talk to any witnesses and get their contact information. Since the responsible driver is not there to collect information from, you’ll need all the witnesses you can get to help prove liability of the Uber driver. Take any pictures you can to help your case.
As with any car accident, you should call the police from the scene. In this case especially, you want an official investigation of the accident and a police report that can back up your claim later.
If you can prove that an Uber driver was responsible, you can hold Uber financially responsible for the driver’s negligence since the driver fled the scene. Even though Uber is a large company, your claim could win in court. You’ll just need an experienced lawyer who is willing to fight for your rights.
Uninsured motorist and underinsured motorist insurance could be helpful to you in this situation. Since you can’t get the responsible driver’s information, UM/UIM insurance could possibly cover your damages or medical bills. This only applies if you had this coverage before the accident, though.
Call Rideshare Law Group Today
Nobody should have to deal with the added financial and emotional stress of a hit-and-run accident. If that hit-and-run was caused by an Uber driver, you’ll need an experienced attorney to help your case against the company. Don’t let a big company scare you or pressure you into a settlement. Our Uber accident lawyers from all over the nation are dedicated to getting you the compensation you deserve.