Does Uber Have Insurance? What Happens If I’m In An Accident?
Rideshare accidents are increasing at an alarming rate. The popular ride share service providers are Uber and Lyft. People consider them best for providing convenient commute options at affordable rates. What happens if you are in a rideshare accident? Who will pay for the injuries and losses you sustained in the accident? Does Uber offer insurance for accidental cases? These are the common questions you might ask yourself when in an Uber accident.
The best thing you can do is to consult the expert and experienced lawyers of Aronberg Law Firm. Professional lawyers will offer you the right guidance to get compensation for personal injuries. Moreover, it is essential to understand the insurance policies of the ride share company—Uber.
Does Uber Have Insurance?
Yes, Uber offers an insurance policy to protect Uber riders, drivers, and those in other vehicles in the event of rideshare accidents. You should understand Florida’s mandatory insurance requirements for no-fault. Besides, you must get an overview of the insurance policy for Uber drivers and insurance coverage in Florida.
Florida Uber Drivers Should Provide Additional Insurance Requirements
All Uber drivers in Florida should have essential additional insurance coverage. It includes Property Damage Liability and Personal Injury Protection of a minimum of $10,000. Both insurance covers comply with Florida’s no-fault insurance laws. The amount for the additional insurance coverage for the Uber driver is dependent on whether they have passengers or not. It is applicable when they are logged in to the Uber Application. According to Florida law, Uber drivers must have Personal Injury Protection coverage to manage accidental cases without passengers. When the drivers are logged in to the application and waiting for the passengers.
(1). Coverage per person is approximately $50,000 bodily injury liability (BIL)
(2). Coverage per accident is approximately $100,000 bodily injury liability (BIL)
(3). Coverage per accident is approximately $25,000 for the property damage liability (PDL)
(4). The compensation amount mentioned above is following Florida State Law.
Besides this, Uber drivers can also have an auto insurance policy of their own. It is applicable when the drivers are not using the Uber application and have to face accidents.
Uber’s Basic Insurance Coverage For The Drivers
When the Uber drivers are logged n to the Uber application, these insurance policies will be applicable.
Available Drivers: The availability status is displayed on the Uber application when the driver is waiting for the passengers/ ride request. During this phase, if an accident occurs, Uber company is liable to pay the compensation.
(1). For Personal Injury Liability per person $50,000
(2). For Personal Injury Liability per accident$100,000
(3). For Property Damage Liability per accident$25,000
What if, the driver is with the rider?
Here are some other insurance policies provided by Uber for accidental cases. It is for the scenarios when the driver is with the rider.
Drivers with Riders
When the Uber application is in active status, the driver is with the rider or going to pick up the rider. Uber company insurance policies comply with Florida law and provide additional coverage for their drivers. If you are an Uber passenger and met with an accident, this insurance coverage applies to you.
(1). For third party liability coverage—$1,000,000
(2). Coverage for the uninsured and underinsured motorist
(3). Comprehensive Coverage for contingent and collision is applicable in terms of property damage.
What Happens If You Are In An Accident?
You must follow this crucial procedure to set claims for personal injury and vehicle damage. Taking quick measures will help you recover from the losses in the Uber accident. Report The Accident Scenario To Uber Representatives:
Uber would get the news of the accident from the drivers. Besides, you must provide information from your side and be clear with the insurance policies for Uber rideshare accidents.
Reach Out To Your Lawyers:
You should contact the rideshare accident lawyers in Florida. They will understand your requirements and guide you through the process. The professionals will explain all the insurance claims you can raise for the Uber accident.
The experienced rideshare accident lawyers of Aronberg Law Firms will help you understand the situation and explain all the insurance policies applicable in the Uber accident. Based on the investigation and data received from Uber, you can raise the claim for personal injury compensation.