Periodos de cobertura y su caso UBER
If you were involved in an UBER accident as a passenger, you need not worry. You are covered for up-to $1,000,000.00. This number is NOT accurate because if the driver was AT fault the coverage is significantly more, I will discuss this in depth at the end of this post.
La cobertura periódica es la forma en que UBER determina el importe del seguro proporcionado a los conductores. Dependiendo de la fase en la que se encuentre determinará su cobertura.
PERÍODO 0- esto es cuando no estás en la aplicación, no estás emparejado con un pasajero y no estás de camino para recoger a un pasajero. En ese momento, solo se aplicará tu propio seguro.
PERÍODO 1- cuando tu aplicación está activada, pero no has sido emparejado con un pasajero. UBER sólo ofrecerá una cobertura limitada en este caso. Normalmente, $50.000,00 es la cobertura de lesiones corporales y $25.000,00 es la cobertura de daños materiales. No hay cobertura de motorista sin seguro o con seguro insuficiente. Además, el importe total de la póliza es de $100.000,00. Esta cantidad se dividirá si en el accidente están implicadas varias personas.
Periodos 2 y 3- esto está disponible cuando usted está en el camino para recoger a un pasajero. Bajo la siguiente cobertura se le dará $1,000,000.00 en la cobertura y los mismos límites en la cobertura de seguro insuficiente y sin seguro.
Asegúrate siempre de documentar cuando estés en la aplicación o de camino a recoger a un pasajero. Supondrá una gran diferencia en el importe de la cobertura del seguro que se te conceda.
In certain situations, you will have an accident happen and the ride is subsequently canceled. In such cases the rideshare company may attempt to deny your coverage, or they will not afford you coverage under the correct period. You must make sure that this is documented and challenge this position immediately.
While UBER indicates they carry ,000,000.00 in coverage for drivers and passengers, they are only telling half of the story. If you were a passenger and the driver was AT FAULT, you would technically be able to pursue UBER for significantly more. In various discovery correspondences it has been disclosed that UBER carries insurance far more than the underlying $1,000,000.00 coverage. However, to access that money, you would need to seek direct recovery from UBER. You would also need to illustrate that the driver was at fault for the incident.
Regardless, accessing the driver directly is not something the carrier would permit. Additionally, many attorneys and law firms are not interested in doing the extra leg work. Instead, they will routinely settle the case for the either policy limits or far below that amount. DO NOT ACCEPT SUCH SETTLMENTS. Remember lawyers get paid when they settle your case. Often, they are NOT interested in fighting for more money because it means more work. We make sure to turn every stone and seek the highest possible resolution for your case. Call anytime 24/7 to discuss your case. You can text me at 310-770-7309.
