How It Works: Uber Accident Insurance Deductibles

Uber accidents are prevalent due to the thousands of drivers on the road each day, and different parties are eligible for different types of insurance coverage. As an Uber driver, you may elect to enroll in Uber’s driver protection services, or you may simply receive their standard options. If you are an Uber driver and not a passenger, you will likely have a $1,000 deductible for your claim, regardless of whether or not the accident was your fault. Car insurance for Uber drivers can be tricky, given the fact that many personal providers may drop those who drive for Uber and the company’s policies can be difficult to understand at times. Even though Uber offered expanded liability insurance to cover both drivers and riders, not all parties receive the compensation they deserve. Keep in mind, though, that drivers have the $1,000 deductible, while passengers do not. If you were injured during a trip, you may not have to pay as long as you were a customer. If you have questions about the Uber insurance deductible, contact our law firm, Normandie Law Firm, for more help. In the event of a crash that was not your fault, our law firm will pay the deductible for your Uber accident.

Uber’s Policy

Uber insurance works in the following manner. As a driver, you need personal auto insurance to cover you and anyone else in the event of an accident. However, personal policies are not commercial insurance, or insurance for when you are driving as a part of work. While driving for Uber, the company has its own collision insurance and liability to protect you. The accident is covered by Uber in some situations, such as when the other driver is not properly insured.

Uber drivers are covered for up to $50,000 in liability and $25,000 for property damage when they are waiting for a ride and the app is turned on. This counts as the driver being on the clock and working. Once the driver has accepted a ride and is en route to the customer, the policy limit increases to $1,000,000 in liability, as well as $1,000,000 for underinsured or uninsured motorists who struck you. When a customer enters the Uber, he or she is also covered for the same amount, continuing until the trip has ended. Once the fare is over, the driver returns to the initial coverage policy.

Thus, your coverage and its limits depend on a few things – what stage of the ride you are in, who is liable, and how much the damages are. If another party struck you, you could simply pursue compensation from their insurance provider. If the damages are in excess of what the insurance will pay out, you can pursue additional damages from James River, Uber’s insurance company.

Uber Accident Deductible

Many people wonder, “How to get my deductible paid after I’m in an UBER accident? I don’t want to pay the deductible for my Uber accident, so what can I do?” There are many options, but before we proceed, you should understand what a deductible is.

The James River deductible is the amount of money you will be responsible for paying before the insurance kicks in. Thus, the James River accident deductible amount of $1,000 means you must cover the initial thousand dollars, and then Uber covers the rest.

This can be an issue if the repair costs less than the deductible, as you will be responsible for the entirety of the amount. If your car is a total loss – meaning the amount to fix it is worth more than the insured value – you may not get the coverage you deserve. The comprehensive deductible is the same value – $1,000.

Thus, drivers may be intimidated by the insurance deductible for Uber’s insurance policy, especially if they are involved in an accident and need coverage quickly. Uber and James River may be none too helpful and may not want to pay out a claim at all; they want to protect their profits, after all.

When we are asked, “Who pays for deductible after UBER accident,” the short answer is you do, but fortunately, this amount can be recouped. For one, our law firm can pay off the deductible for you, especially if we are confident that your lawsuit against Uber is worthwhile and the company can be made to cover your damages.

You may also be able to sue a third party to cover Uber’s insurance policy deductible. This is most common when you were not at fault in the incident and another vehicle struck you.

Our Firm Will Pay for Your Deductible Up Front

After any sort of accident, including an Uber accident, there are many expenses that arise. Unfortunately, many people do not have any sort of savings for emergency situations; even if they do have savings, they sometimes have to prioritize some expenses to make sure to stretch these savings for as long as possible. What does this mean? In many cases, the lack of savings or insufficient savings means that certain expenses, like the $1,000 insurance deductible, will be difficult or impossible to cover. After your Uber accident, you might be eager to get back to work – but you cannot go back to driving for Uber if your car is still damaged from the accident, and you probably do not have another car that you can use instead. So, to get back to work and start earning income again to get your life together, paying the insurance deductible is the first step. Here at our law firm, we know how difficult it can be to pay the $1,000 deductible, so we are dedicated to help. We will cover your deductible so that you can go back to work, get your life together and start earning income again, while we fight for your right to a fair settlement. you don’t need to worry about covering the deductible – we will cover the cost for you. For more information, do not hesitate to contact the experts here at our firm as soon as possible.

Causes of Uber Accidents

The risk of being in an accident while driving Uber is not necessarily any greater than when you are driving normally. Some people, though, treat the estimated times of arrival as deadlines, and do everything they can to rush passengers to their destinations. They also may speed and break traffic laws to get as many customers and rides per hour as possible, thus maximizing their profits.

Some of the causes of Uber accidents include:

• Speeding
• Tailgating
• Turning without signaling
• Driving under the influence of drugs or alcohol
• Driving while tired or fatigued
• Defective vehicle or parts
• Distracted driving
• Texting or using the Uber app while driving
• Running red lights
• Running stop signs
• Failing to yield for pedestrians or other traffic
• Turning left in front of oncoming traffic

There has also been a trend for insurance companies to drop those who drive for Uber. You need a personal auto insurance policy in order to be a rideshare driver, and if you are not insured, you run great risks.

We have also seen the types of injuries that occur from car accidents, some of which are highly devastating and require extensive medical treatment. If you get into an accident while driving for Uber, you will certainly need ample coverage for your injuries, and you may not be able to afford it by yourself, especially with the dent the deductible will cause in your savings.

Some of the injuries we have seen include broken bones, dislocations, fractures, sprains, torn muscles, nerve damage, internal organ damage, concussions and brain injuries, paralyzed limbs, and much more.

For more help figuring out how to take action and get your expenses covered after an Uber accident, call our law offices.

Steps to Take after an Uber Crash

You should follow these steps to ensure that you will be prepared for you claim against Uber. It will come in handy when you show that you were not responsible for the crash or if you wish to have all parts of your claim paid, including the deductible.

• Get medical attention immediately
• Take photos of your injuries
• Photograph the damage to your car and belongings
• Interview eyewitnesses
• Screenshot the Uber app to show you were engaged in a ride
• Hold on to your bank statement to show you were paid for the ride
• Request a copy of the police report if you were involved in a crash with another vehicle
• Contact an experienced Uber accident lawyer for more assistance

You should not try to handle an Uber accident by yourself. James River insurance agents are difficult to deal with, and you may be burnt out rather quickly. You may not have the time, knowledge, or experience required to negotiate a fair claim from them, and if you’re injured, the stress may worsen your damages and increase your recovery time.

Potential Compensation from an Uber Accident

You could have the out-of-pocket deductible amount for Uber drivers who are in an accident taken care of if you file a claim against Uber or another party. This expense can be reimbursed as well if you pay ahead of time for necessary damages. We will also strive to make sure you are covered in other areas, such as:

• Medical expenses from the past and future
• Property damage (collision)
• Lost wages from work from the past and future
• Pain and suffering damages

Our law firm will work around the clock to bring you the maximum compensation available under the law, and if you need to have your deductible paid off quickly, we can help. You should not worry about the various expenses if you were hurt in an Uber accident and you were not responsible.

The Firm for You

Normandie Law Firm can help you take legal action against Uber or a third-party if you were involved in an accident while driving for the rideshare company. We know the deductible amount is expensive and we want you to keep your savings under control. You should not have to spend a lot of your own money if you want to take action in a lawsuit, especially if you were hit by another driver. Uber offers insurance coverage for a reason, and if James River won’t pay out, you can file a lawsuit to ensure that you get what you need. Our lawyers at Normandie Law Firm will aggressively work around the clock to bring you the compensation you deserve and we will not stop until we are satisfied with the result.

Call us today to set up a free legal consultation with an expert attorney. You can ask us any questions you like and we’ll give you relevant answers. We will also tell you how much we think your case is worth and if you can earn more than what the coverage claims. We will also give you more information on our zero fee guarantee, which states that you won’t pay us any expenses at all throughout the case from your own pockets. We will be paid if we win, and the money will come out of the settlement we win for you. If we lose, we take nothing from anyone, and we eat the costs of the case ourselves, letting you walk away debt-free to our firm.

For more assistance filing an Uber lawsuit or to learn more about Uber’s deductible amount, reach out to Normandie Law Firm today.

More Information on Uber Accidents

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