Uber makes it easy and accessible to get a ride when you need\none, but it also can make things confusing if the car is involved in an\naccident. Who is responsible for a collision with injures in Redlands if one\ndriver is working for Uber? What happens if you have been injured, and how can\nyou be compensated for your injuries? This is a relatively new area, so\nlearning more about how ride share apps like Uber work can save you time,\nmoney and hassle after you’ve been in an accident. <\/p>\n\n\n\n
Uber and Insurance<\/strong><\/p>\n\n\n\n Uber’s\nrules regarding insurance coverage as of June 2109 <\/a>outlines the insurance coverage that is offered in the event of\nan accident. Since Uber drivers are not employees and own their own cars,\ncoverage is not as straight forward as it is for personal vehicles or\ncommercial, company owned cars. Uber coverage kicks in only when the driver is\non the way to or from an active ride or during the ride itself. Each driver has\ntheir own personal vehicle, so if you are struck while they are not working,\nthe rules for personal insurance apply. <\/p>\n\n\n\n Coverage for Uber\nAccidents During a Paid Ride<\/strong><\/p>\n\n\n\n If you are in an auto accident with a driver during the time\nthey are driving for Uber, you are covered by the brand’s own insurance. This\noffers coverage for your injuries is for third party damages and in the\nfollowing amounts: <\/p>\n\n\n\n A driver covered by this insurance is protected by Uber when\nthey are actively driving or when the app is open, and they are waiting to\nclaim a ride. Other drivers, passengers and even pedestrians are protected\nduring this time. <\/p>\n\n\n\n Off Duty Coverage for\nUber Driver Accidents<\/strong><\/p>\n\n\n\n If you are in a collision with a driver who is off duty, meaning\nthe app is closed, and they are not actively looking for a pickup or driving\nsomeone then the driver’s own personal insurance is in effect and you should\nproceed as usual after an accident. <\/p>\n\n\n\n What to do after an Accident with Someone Driving for Uber<\/strong><\/p>\n\n\n\n After any auto accident, including one with an Uber driver, you should call the police, fully document what happened and\nseek medical treatment <\/a>for\nyour injuries. The driver will file a claim with Uber or their own personal\ninsurance and then the process will continue like any other auto accident\nsettlement. The main difference will be that the driver may be required to file\nwith thier own insurer first and be declined because they were using the car\nfor business. At that point the Uber insurance will kick in. <\/p>\n\n\n\n