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How to File a Claim for an Uber Accident

Ridesharing has become an everyday part of life for millions of people, with services like Uber and Lyft offering convenient, affordable transportation. However, like any form of travel, ridesharing comes with its own set of risks. Accidents can happen, and when they do, navigating the claims process can be overwhelming, especially if you’re unfamiliar with how things work. Whether you’re a passenger, driver, or third party involved in a rideshare accident, understanding the claims process is crucial for securing the compensation you deserve.

In this blog, we’ll break down how to file a claim for an Uber accident and offer practical tips to help you through the process.

What Do I Do Immediately After an Uber Accident?

The moments immediately following an accident are critical, and taking the right steps can help your claims process later on.

  • Seek Medical Attention: Your health and safety are the top priority. Even if you feel okay, it’s important to see a doctor, as some injuries may not be immediately apparent.
  • Call 911 to report the accident. Having a police report is crucial for any insurance claim or legal proceedings.
  • Document the Scene: Take pictures of the accident scene, vehicle damage, and any visible injuries. If possible, collect contact information from any witnesses.
  • Exchange Information: Be sure to exchange information with the driver, including their name, phone number, rideshare company, license plate number, and insurance details.

Filing an Uber Accident Insurance Claim

One of the first things you’ll need to do after an accident is file an insurance claim. Uber has their own insurance policies that differ from traditional car insurance.

  • Rideshare Driver Insurance Coverage: Uber drivers typically have their own personal car insurance. However, Uber provides additional coverage through a company insurance policy depending on the circumstances of the accident:

    • App Off (No Ride in Progress): If the driver was not logged into the app or had no passenger, their personal insurance will cover the accident.
    • App On (Waiting for a Ride): If the driver is logged into the app but not yet on the way to pick up a passenger, the rideshare company provides liability coverage, typically up to $50,000 per person for bodily injury and $100,000 per accident.
    • Passenger in the Car: If the driver is actively transporting a passenger, Uber or Lyft’s full commercial insurance policy covers the accident, including liability, bodily injury, and property damage.
  • Filing the Claim: Whether you’re the passenger or another driver involved, you’ll need to file a claim with the relevant insurance provider. This may involve the rideshare company’s insurance or the driver’s personal insurance, depending on the situation.

Determining Liability in an Uber Accident

One of the most complex aspects of the claims process is determining liability. Depending on the circumstances, different parties may be responsible for the accident:

  • The Uber Driver: If the driver’s actions were negligent—such as speeding, running a red light, or texting while driving—they may be liable for the accident.
  • Another Driver: If another motorist caused the accident, their insurance may be liable for the damages.
  • The Rideshare Company: In some cases, Uber itself may be liable, particularly if the driver was using the app when the accident occurred. Uber typically provides insurance for their drivers, but there are restrictions on coverage depending on whether the driver was actively transporting a passenger at the time of the accident.

Seeking Compensation for Injuries and Damages

Once you’ve determined the appropriate insurance provider, it’s time to file for compensation. The damages you may be able to claim include:

  • Medical Expenses: This includes any medical bills, surgeries, rehabilitation costs, or ongoing treatment related to injuries sustained in the accident.
  • Lost Wages: If the accident caused you to miss work, you may be entitled to compensation for lost income.
  • Pain and Suffering: If the accident caused you emotional distress or long-term pain, you could be compensated for these damages.
  • Property Damage: If your property—such as your vehicle—was damaged in the accident, you can seek compensation for repairs or replacement.

Understanding the Time Frame for Filing a Claim

There are strict deadlines for filing insurance claims and personal injury lawsuits. These are governed by state laws, and failing to file within the specified period can result in losing your right to compensation. In Texas, you have two years from the date of the accident to file a claim but it’s essential to start the process as soon as possible.

What If the Uber Driver Doesn’t Have Insurance?

In some cases, you may encounter situations where the driver does not have adequate insurance. Fortunately, both Uber and Lyft provide uninsured/underinsured motorist coverage. If you’re unable to recover sufficient compensation through the driver’s insurance, the rideshare company’s insurance policy may cover the gap.

Common Challenges in Uber Accident Claims

There are a few hurdles that can make rideshare accident claims more complicated than traditional car accidents:

  • Multiple Insurers Involved: Because the accident may involve Uber’s insurance and multiple personal insurers, dealing with different parties can slow down the process.
  • Determining Fault: If there are disputes about who is at fault, it can take time to resolve the claim, especially if there are multiple liable parties.
  • Defining Coverage Limits: Uber insurance policies often have different coverage limits depending on whether the driver was actively transporting a passenger or just waiting for a ride request. This can complicate the amount of compensation you’re entitled to receive.

A Katy Uber Accident Lawyer Can Help

While some people may feel comfortable handling their own claims, the complexity of rideshare accident claims often makes it worthwhile to consult with a personal injury lawyer. A lawyer can help you understand your rights, gather necessary evidence, negotiate with insurance companies, and represent you in court if needed. They can also ensure that you’re pursuing all available avenues for compensation.

Attorney Scott Callahan is board-certified in Personal Injury Trial Law by the Texas Board of Legal Specialization, a distinction earned by less than 10% of lawyers in Texas. He has over 25 years of experience in helping victims earn the money they need to heal and move on with their lives. Give the firm a call today for a free legal consultation at 713-888-9000.