It isn’t uncommon for an individual, whether a business owner or a regular rider, to get in an unfortunate accident while riding in an Uber. Luckily, most Uber drivers get on their way to their desired destination without any problems, but unfortunately, some Uber drivers have caused quite a few accidents, and quite a number of Uber passengers have been injured when their private, self-driving vehicle was accidentally hit by another vehicle. Therefore, it is important to make sure you have the right car insurance coverage to protect yourself in the case of an accident. As a matter of fact, if you own an Uber, or if you’re planning to ride in one, it’s important to understand how insurance works with this type of vehicle.
If you’re someone who has just gotten into an Uber, you might be concerned about the kinds of accidents that are likely to happen during your trip. Fortunately, the number of accidents that occur in this environment is fairly low. However, it’s also important to note that some people do become victims of accidents while riding in these vehicles. This is because many of these cars, particularly new ones, don’t come equipped with the necessary safety features and equipment to make sure that passengers are as safe as possible during these trips.
In order to get the proper protection, you must understand your Uber policy and what kind of protection it offers you. A standard coverage policy for these types of vehicles will reimburse you for medical expenses and pain and suffering, if you get into an accident with a driver of another car, even if you are at fault. Some policies will also cover you for up to three months after the accident, if you can prove that the drivers were not at fault. You’ll also find that most insurance companies offer support services, such as helping you navigate the process of filing an accident claim and providing you with timely updates.
You may also be able to seek additional compensation if you are injured in an accident with one of the drivers. Many companies will take the trouble to contact their own attorneys and review your case to determine if there are grounds for pursuing compensation from the other driver. If you have legal counsel, he or she may even be able to negotiate a more reasonable settlement based on what you can prove was the fault of the other drivers. These services are usually provided by the individual insurance company that you hail through the app, so you’ll want to check with them before opting to use this service.
If you’re a rider, you should also know that your Uber ride could be covered by your personal liability coverage. This coverage will provide you with the financial means to pay for any medical expenses or repair costs you incur as a result of an accident with a non-ridehare driver. The downside to this liability coverage is that it won’t cover the driver’s passengers. You will have to buy additional coverage if you’d like to add this type of protection to the ride portion of your app.
An important thing to remember when getting into an accident with a driver who isn’t licensed or who isn’t insured by your insurance policy may be to file a claim with the authorities beforehand. Any time you have an accident with a driver that isn’t a member of a particular insurance agency, you should be prepared to have your claim looked into thoroughly by the police and your insurance company. You should document any and all information about the accident as soon as possible, including the names of the people involved and their phone numbers. By doing so, you will make the process of recovering from your injuries and rebuilding your life easier than if you were to simply deal with the situation.