Uber Accident DeductibleUber offers commercial insurance to drivers because a personal auto insurance policy will not cover anything that happens while driving for money. The policy is simple and consists of separate stages of coverage. They are as follows: If you are not driving for Uber, your own policy is in effect and your coverage and its limits apply. If you have the Uber app turned on and you are waiting for a customer to request a ride, Uber covers up to $50,000 in liability and $25,000 in collision insurance. When you accept a ride and you are traveling to the customer, the policy limit increases to $1,000,000 and will cover a few different parties. You will be covered, the individual or individuals who enter your car will be covered, and a third-party who hits you or whom you hit can be covered. You may also be covered if a third-party strikes you and cannot pay for the damages. Underinsured and uninsured motorist coverage is also $1,000,000. When the ride is over and you have dropped off the passenger, your insurance reverts back to the original state. After an accident, you may have to cover a certain amount of the damages yourself, which is the deductible. This James River deductible must be met before the insurance company covers the other damages. The $1,000 comprehensive deductible can be troublesome for some people to meet, though, and they may not have anything covered if the repair costs less than the total or if the vehicle is a total loss. Many people ask us questions about this James River deductible amount, some examples of which include:
Payment from a LawsuitAlthough there is car insurance for Uber drivers offered by James River, it can still be difficult to get the compensation you deserve. The expanded liability insurance can cover injuries, but if the company believes you are slightly at fault, they may try to block you from receiving any damages. If you can prove that you were the victim of negligent action, you can sue for various damages, and even have Uber’s insurance policy deductible taken care of by the responsible party. If you were injured during a trip, you should not be forced to pay expenses that otherwise would not have come up if the other driver had been more careful. There are different forms of compensation you can get from a lawsuit. In addition to coverage for the deductible, you can also receive the following if you pursue a personal injury claim against Uber or another driver:
- Coverage of medical expenses, such as surgery, hospitalization, physical therapy, medication, and more, from both the past and future
- Lost wages from the past and future, especially if you require additional time to recover or if you must undergo other medical procedures
- Property damage to your vehicle or other personal items
- Pain and suffering damages, which include PTSD, anxiety, fear, depression, mental scarring, and more
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Value of Your ClaimYour Uber case may be valued differently depending on many factors. For one, an insurance agent will determine how impactful your injuries were; he will look at how extensive they were, how much they altered your ability to work and live, how long it took you to heal, and more. He will also consider your age and career type, as well as how much responsibility could be assigned to you for the accident. Insurance agents are tasked with handling claims, but their primary goal lies in saving as much money as possible for the companies they represent. This means that you will likely have a hard time receiving the compensation you deserve, and negotiating with the agent will be very long and tiring. For this reason, it is highly recommended that you hire a qualified attorney who can deal with lawsuits against Uber or James River.
Uber Accidents and YouThe risk of being in an accident does not necessarily increase if you are driving for Uber, but you may find yourself driving more aggressively to ensure that a customer is dropped off on time. Uber drivers in general may drive more carelessly, speed more, and break more traffic violations because they want to fit as many rides into a short window as they can. This, of course, is very dangerous for themselves, other passengers in the car, and other drivers on the road. We have seen many Uber drivers and victims of car accidents come into our firm suffering from numerous types of injuries. We have handled cases for people who have been injured with the following:
- Neck and spinal cord injuries
- Traumatic brain injuries
- Broken bones
- Dislocations and fractures
- Sprains and strains
- Nerve damage
- Torn muscles
- Internal organ damage
- Aggravation of previously existing injuries
- Knee and hip injuries
Statute of LimitationsSome people will not file a lawsuit or pursue alternate options for their deductible until it is too late. There is a 2-year limit on the amount of time you can file a lawsuit. If you do not file a claim within that time limit, you will be prevented from pursuing any compensation in the future. These claims have statutes on them so that they can be quickly handled and they do not sit while evidence gets lost or corrupted. It is highly recommended that you speak with an attorney to determine how much time you have left on your claim.
Learn more about your options for compensation by calling (213) 389-3765.