Ride sharing services, such as Uber, are gaining popularity across the United States. Even if you have your own vehicle, you might appreciate the convenience of a warm car picking you up from the airport, or having a sober driver get you home safely after a night on the town. But do you know what to do if you get in an accident while taking an Uber?
How Uber’s insurance works
When a driver contracts to drive with Uber, there is insurance coverage provided for three things:
- Third party liability. There is a minimum of $1 million of liability coverage provided for damages to another driver, property or a pedestrian.
- Bodily injury coverage for an uninsured or underinsured motorist. The driver and passengers are covered by at least $1 million in cases of a hit-and-run accident with an unidentified driver or when an at-fault driver lacks sufficient insurance.
- Contingent collision and comprehensive coverage. Minus a $1,000 deductible, a driver’s vehicle is covered regardless of fault, as long as the driver’s auto insurance policy includes collision coverage for personal use.
In many instances, Uber’s insurance should cover your medical expenses if you are involved in an accident during your ride share. However, there may still be some things you should do following an incident.
What you should do after an accident
In any emergency situation, it is important to remain calm. Involving the police is important, especially if there are any injuries requiring immediate attention. However, a police report may also be helpful in instances where your injuries do not manifest right away.
You may want to document the accident with photographs once it is safe to do so. Getting the driver’s insurance information might also be a good idea.
Be sure to report the accident to Uber so a company representative will know they should follow up with you. Although the company provides coverage for drivers while providing passenger transportation, if you struggle with getting the accident and any resultant injuries handled in an appropriate action, you may choose to explore your legal options.