What Passengers Need to Know if Injured in a Rideshare
The New Year’s holiday is a time for celebration, but unfortunately, it’s also one of the most dangerous nights on the road. With countless gatherings and festivities, Uber usage spikes as people seek safe transportation alternatives after a night of celebrating. Yet, the very increase in rideshare usage, combined with packed roads and impaired drivers, creates a heightened risk for accidents. Statistics tell a sobering story: around 40% of New Year’s Eve traffic fatalities are linked to alcohol, and the National Safety Council estimates up to 375 deaths could occur over the New Year’s period alone.
Uber’s Insurance Coverage for Injured Passengers
When you step into an Uber, the company’s insurance provides some protection. Uber maintains up to $1 million in third-party liability coverage while a driver is actively transporting passengers. This means that if you’re injured in an accident, Uber’s insurance will cover medical costs, lost wages, and other damages, regardless of who was at fault.
However, it’s important to note that this full coverage applies only when the driver is actively on a trip. If the driver hasn’t yet picked up a passenger, their personal insurance policy may be in play instead. This detail can affect passengers in multiple ways, especially during high-demand times when drivers switch between fares quickly. For riders, this means your protection begins the moment your trip starts in the app and ends when you reach your destination.
Steps to Take If You’re Hurt as an Uber Passenger
If you’re hurt in an Uber accident, taking the right steps right away can protect your rights and strengthen your claim for compensation.
1. Get Medical Help Right Away: Your health is priority one. Even if injuries don’t seem serious at first, you still need to be seen by a medical professional. Some injuries, like concussions, may not show symptoms until hours later. Prompt treatment helps recovery and creates a medical record that may be vital to your case.
2. Report the Accident to Uber: Use the app or website to report the accident as soon as possible. Reporting to Uber initiates their internal claims process and ensures the accident is recorded in Uber’s system, which is necessary to access coverage.
3. Document the Scene and Gather Information: After reporting the incident, gather as much information as you can. Ask the driver for their full name, contact details, and insurance information. Take photos of the accident scene, the vehicle, and any injuries. If there are witnesses, collect their contact information as well.
4. Contact an Attorney for Legal Guidance: Uber’s insurance policies are complicated, and dealing with adjusters can be challenging. Speaking to a personal injury attorney can help ensure that your rights are fully protected and that you receive the compensation you need for recovery. An attorney can handle the claims process on your behalf, streamlining communication with Uber’s insurance and protecting you from potential setbacks or delays.
When It’s Time to Seek Legal Help
If you’ve been injured in an Uber accident, acting quickly can make a difference in the outcome. In addition to reporting the accident and seeking medical care, consulting with a personal injury attorney will help you take the next steps for fair compensation. A qualified attorney will be prepared to work with Uber’s insurance, representing your best interests.
Blaszkow Legal, PLLC, understands the tactics insurance companies may use to reduce or deny your claim and is prepared to stand up for your rights. To get the support you need toward a fair outcome, reach out to Blaszkow Legal at (703) 879-5910 today.