Uber has been dominating the rideshare market for years, but it has not come easy. Competitors have popped up everywhere, and many individuals have had various negative experiences with Uber and its drivers. The company may not always properly vet drivers, for one, but it may also not provide the best ride experience. Riders and drivers alike have had complaints about the insurance policy that Uber carries, often citing the fact that the company does not easily pay out claims and does everything possible to absolve itself of responsibility. This is a fundamental issue with insurance agencies, and Uber’s insurance representatives are no different. Our law firm, the Downtown LA Law Group, has been handling Uber accident claims and other types of lawsuits for years, and we are extremely knowledgeable about Uber’s insurance policy limits. If you were in an Uber accident of any kind, or if you need more information on the company’s insurance details, feel free to contact our legal group today.
Uber Insurance Information
In order to drive for Uber, you must have your own personal auto insurance coverage. This is because uninsured drivers cannot be asked to complete tasks that require them to have insurance; it would be akin to an unlicensed driver being allowed to work for a company and drive trucks. Your own personal auto insurance coverage must also meet the minimum requirements for the state you live in. For California, this is $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for damage to property.
When you are not driving for Uber, you are covered by your own policy. You can have the minimum requirements or extensive coverage; it is entirely up to you. The reason that Uber provides insurance coverage is because personal policies do not cover commercial driving, or driving for pay. In the past, Uber accidents resulted in the company not paying out compensation to victims because they said that the drivers were responsible for covering their own potential damages. Laws went into effect that caused this to change, however.
Uber drivers will be privy to Uber’s insurance when they are driving, though. There are two phases of Uber’s insurance coverage. The first involves drivers who only have the app on and are waiting to pick up customers. In these times, Uber covers drivers for $50,000 in bodily injury per person, $100,000 total in bodily injury per accident, and $25,000 in property damage per accident. This is markedly more than what the minimum requirements are for the State.
The second phase of Uber’s insurance policy increases the coverage even more. When an Uber driver is on the way to pick up a customer, and during the ride itself, he receives additional coverage, as do any passengers in the vehicle. Uber’s coverage during this period is $1,000,000 in third-party liability, as well as $1,000,000 in uninsured or underinsured motorist bodily injury. This means that at-fault drivers with little to no insurance coverage will pay what they can before Uber steps in. It also covers hit-and-run accidents or instances where the other driver fled the scene. Additionally, Uber provides contingent comprehensive and collision, but this is only available if you have the same coverage on your personal policy. It is also only able to be accessed after you’ve reached the $1,000 deductible, or the actual cash value of your car.
Compensation from an Uber Lawsuit
Uber’s insurance coverage may allow you to recover various damages and expenses if you were involved in an incident with a driver or if you were hit by another vehicle. The insurance agent handling the case will look at the extent of the injuries you suffered, how much of an impact they had on your daily life and career opportunities, your age, your job type, whether or not you were responsible for the incident in any way, and much more. The value of your case may change depending on many factors, but regardless, our goal is to ensure that you are given the fairest settlement available for your case. Our lawyers will aim to secure you the following:
- Medical expenses for any surgery, ambulatory transportation, anesthesiologist fees, specialist fees, medication and prescription drug costs, physical therapy and rehabilitation sessions, future medical treatments, and more
- Property damage for any personal items that were lost or broken in the incident, replacement of anything you owned that was lost, mechanic’s fees for damages done to your vehicle, and more
- Lost income, like commissions, tips, bonuses, benefits, and wages, due to absence from work or inability to hold a job due to injuries, as well as future reimbursement for income due to medical procedures or recovery time
- Pain and suffering damages for emotional trauma, psychological stress, mental scarring, PTSD, fear, anxiety, and more
We can also pursue punitive damages for your case, which are additional amounts of monetary compensation awarded in the event of gross negligence or when you were intentionally harmed by the defendant. These damages are difficult to acquire, though, as many courts and juries view them as excessive or unnecessary. Only a skilled attorney with experience in Uber cases will be able to win them for you.
You may also be able to receive wrongful death damages in the event of a family member or loved one passed away in the incident. Wrongful death damages can include coverage for the funeral and burial fees, loss of inheritance and savings, loss of expected income, loss of relations and consortium, pre-death medical bills and expenses, pre-death pain and suffering of the deceased, and more.
We will stop at nothing to bring you the coverage you need. Uber’s insurance will be used to pay for the various losses and damages you suffered in the incident.
Statute of Limitations to Pursue a Lawsuit against Uber
There is a statute of limitations, or deadline, that you must abide by if you wish to pursue coverage from Uber’s insurance carrier for expenses or damages. Personal injury lawsuits have a deadline of 2 years from the date of the injury if you are filing a claim in California. The statute of limitations allows the plaintiff sufficient time to gather evidence, and it lets the defendant build his own case. It would be unfair to the plaintiff if the statute were too short, and it would not be fair to the defendant if individuals could file claims a long time in the future. It is generally recommended that individuals file claims quickly, as the evidence will be best preserved and there will be a smaller chance of it being lost or corrupted.
It is possible for the statute of limitations to be extended, which can greatly benefit your case. The most common cause involves minors. Minors cannot sue; they must have parents or legal guardians do so on their behalf. Therefore, the statute of limitations will not start to count down until they turn 18 years old, unless someone represents them ahead of time. Additionally, if an accident left a victim mentally or physically incapacitated, the statute won’t begin to expire until the victim returns to awareness or functionality. It is also required that the defendant be in California – if he has left the state, the statute of limitations will be frozen until the time he returns.
The majority of times that cases do not succeed or get off the ground is because the victims were not aware of the statute of limitations. They believed that they had more time, or they did not know that there was an expiration date on the claim. This is why we recommend reaching out to our attorneys. You will not be in any danger of missing a deadline, and we will ensure that all relevant pieces of evidence and proceedings are submitted to the insurance company well within the allotted time frame.
Why Choose Our Firm
The Downtown LA Law Group has handled hundreds of lawsuits against Uber throughout the years. Our expert attorneys are highly experienced in rideshare lawsuits and in winning large settlements from insurance companies. We know the best tactics to successfully bring you a worthwhile settlement from Uber and we will do everything in our power to ensure that you are properly covered, even if it means going to court to defend your rights.
TO set up a free legal consultation with one of our attorneys, call our law offices today. We will look over your case and give you all the information you need and answer all of your questions. We will tell you more about Uber’s insurance policy and the ways in which you’re covered. We will also give you our zero fee guarantee if you hire us. This means that you will pay no expenses from start to finish – we cover all the case costs ourselves, and if we win, our payment comes from the settlement we win for you. if we lose, we take no payment at all.
To learn more about Uber’s insurance policies, get in touch with our attorneys at the Downtown LA Law Group today.