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What to Do if Another Driver Hit Me While I Was Driving for Uber?

rideshare driver personal injury lawsuit

If another driver hits you while you’re driving for Uber, follow these steps:

  1. Call 911 immediately if there are injuries or property damage.
  2. Fill out Uber’s accident report form with all relevant details.
  3. Contact an experienced Uber accident lawyer to understand your rights.

If you got hit by an Uber driver in New York, consider reaching out to Uptown Injury Law, PLLC. Our experienced team of Uber accident lawyers can guide you through the claims process, ensuring thorough documentation for insurance claims and a fair resolution. Give us a call at 917-540-8728, or book your free case review today!

What Steps Should You Take if Another Driver Hits You?

If another driver hits you while you’re driving for Uber, it’s essential to follow a series of steps to ensure your safety, gather the necessary information, and navigate the insurance process effectively. Here’s a detailed explanation of what you should do:

Ensure Safety

First and foremost, make sure you and your passengers are safe. If possible, move your vehicle to a safe spot, such as the shoulder of the road, to avoid further accidents or hazards.

Check for Injuries

Check if anyone, including yourself and your passengers, is hurt. If there are any injuries, even minor ones, call 911 right away for medical help.

Exchange Information

Communicate with others involved in the accident. Exchange the following information:

  • Names, phone numbers, and addresses
  • Insurance company names and policy numbers
  • Vehicle makes, models, and license plate numbers

Gather Evidence

Take photographs of the car accident scene, including vehicle damage, road conditions, and any relevant road signs or signals. These photos can be crucial when filing insurance claims.

Witnesses and Contact Information

If there are any witnesses to the accident, ask for their contact information. Witnesses can provide valuable statements if there’s a dispute about what happened.

Report the Accident to Uber

Open the Uber driver app and report the accident through the app. Uber will guide you through the process, including how to provide information about the accident and submit necessary documentation.

Contact Your Auto Insurance Provider

Inform your personal insurance provider about the accident. While Uber’s insurance may offer coverage, your personal policy is also important. Provide a thorough and truthful account of the accident in your description.

Consult With Uber Accident Attorney

After the accident, you may find it beneficial to consult with a skilled Uber accident attorney. These legal professionals are experts in handling cases involving rideshare services like Uber. They can guide you in navigating the complex legal aspects of such accidents, ensuring you receive the compensation you deserve.

Stay Calm and Cooperative

It’s crucial to remain calm and cooperative throughout the process. Avoid arguing or assigning blame. Stick to the facts when talking to the other driver, witnesses, and authorities.

By following these steps, you’ll be better prepared to handle the situation effectively, ensure your safety, and facilitate a smoother insurance claims process. Remember, it’s essential to act promptly and responsibly in the aftermath of an accident to protect yourself and your passengers.

How to Report Your Accident to Uber?

To report your accident to Uber, use the Uber app. Provide details, photos, and relevant information about the incident. Here’s how to do it:

Sign Into Your Uber Account

  • Open the Uber driver app on your mobile device.
  • Log in with your driver account credentials.

Tap the Menu Button

  • Once you’re in the Uber app, tap on the menu button.
  • This is typically represented by three horizontal lines in the app’s top left or right corner.

Access Help

  • In the menu, scroll down and find the “Help” option. Tap on it to proceed.

Select “Trip Issues and Adjustments”

  • Under the Help section, look for “Trip Issues and Adjustments” and tap on it.

Choose “I was in an accident.”

  • You’ll find the option specifically addressing accidents within the Trip Issues and Adjustments section.
  • Tap onI was in an accident.”

Provide Accident Details

  • Uber will guide you through the process of reporting the accident.
  • You’ll likely be asked to provide details about the accident scene, such as the date, time, and location.

Upload clear photos of your vehicle, even if there’s no visible damage. Specify whether you were driving a passenger, on the way to pick up a passenger, or waiting for a ride, as this can affect your insurance coverage. Be accurate and descriptive in your report to ensure Uber has the necessary information to assist you.

Wait for Uber’s Team to Contact You

After you’ve submitted the accident report, a member of Uber’s team will reach out to you to gather more information and assist with any necessary steps.

ATTENTION: It’s important to report the accident as soon as possible to ensure that Uber is aware of the situation and can take the appropriate actions.

When and How to File a Claim With Uber’s Insurance?

Uber's insurance coverage personal injury claim

Uber provides its drivers with insurance coverage that varies mainly depending on the specific phase of the ride. Here’s when and how to file a claim with Uber’s insurance:

Period 1: Offline or Personal Use

During Period 1, when you are offline in the Uber app, your personal insurance is the primary coverage. If you get into an accident during this time, you should file a claim with your personal insurance company, following their guidelines and policies.

Period 2: Available or Waiting for a Ride Request

Uber provides limited liability coverage when the Uber app is on, and you’re waiting for a passenger request. This coverage includes:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage liability per accident

Report the accident to Uber through the app to file a claim during this phase. They will guide you through the claims process. Keep in mind that your personal auto insurance may still be involved if Uber’s coverage limits are insufficient.

Period 3: En route to Pickup Riders and During Trips

This level of coverage applies when you have a passenger in the vehicle or are actively en route to pick up one. Uber’s commercial insurance policy provides coverage during this phase. This includes:

  • $1 million in liability coverage
  • Uninsured/underinsured motorist coverage
  • Contingent comprehensive and collision coverage

If an accident occurs while a trip is in progress, you should report the incident to Uber through the app. Uber’s commercial insurance coverage is primary during this phase, and it typically takes precedence over your personal insurance policy.

Filing a Claim with Uber Insurance

Filing a claim with Uber’s insurance is time-sensitive, and prompt action is crucial regardless of your role in the rideshare accident. Waiting too long could give Uber a reason to deny your claim. Therefore, it’s imperative to act swiftly, especially if you’re considering legal action. For example, in New York, the statute of limitations for personal injury claims is typically 3 years from the accident date.

Once your insurance claim is filed, the Uber insurance adjuster will reach out to gather more information. However, remember their primary goal is to protect the company’s interests, not yours. They may seek reasons to minimize or deny your compensation.

In addition, to safeguard your interests during discussions with the insurance adjuster, answer the adjuster’s questions but refrain from providing more information than is absolutely necessary. Specifically, avoid admitting fault or making statements that could harm your claim. Consulting with an attorney specializing in rideshare accident claims can be especially valuable during this process, as they will advocate for your best interests and deal with the insurance company on your behalf.

How Can You Sue Another Driver as an Uber Driver?

Suing another driver as an Uber driver is a complex process and should be considered as a last resort when all other means of resolving the issue have failed. Here’s a general overview of the steps you might take if you’re considering suing another driver:

Determine Liability

The first step is determining who is at fault or liable for the accident. This typically involves gathering evidence, such as accident reports, witness statements, vehicles involved, and accident scene photographs. If it’s clear that the other party was negligent and caused the accident, you may have a basis for a lawsuit.

Assess Negligence

Negligence is crucial in personal injury claims. To win a lawsuit against another driver, you need to prove that their careless actions caused your injuries or losses. Negligence can involve behaviors such as speeding, running red lights, or reckless driving during the accident.

Contact Your Insurance Company

Before considering legal action, contacting your auto insurance company is essential. Your insurance policy may provide coverage for accidents caused by uninsured or underinsured motorists. Moreover, your insurer can guide you through the claims process and negotiate with the other driver’s personal insurance.

Consult an Attorney

If you believe you have a strong case against the other driver, it’s advisable to consult a motor vehicle accident attorney. They can evaluate the strength of your case, help you navigate the legal procedures, and stand up for your rights.

Mediation or Arbitration

If negotiations can’t reach an agreement, you could consider mediation or arbitration as ways to resolve the disagreement. These processes can help settle the matter without going to court.

File a Lawsuit and Prove Liability

If all else fails, and you believe you have a strong claim, you can file a lawsuit against the at-fault driver. Your attorney will guide you through this process, including filing the necessary paperwork and representing your interests in court.

Discovery and Settlement

The lawsuit process involves discovery, where both parties exchange evidence and information. Your attorney may negotiate with the other driver’s lawyer to reach a settlement. The case may go to trial if a fair settlement can’t be reached.

Trial

If your case goes to trial, you and the other party will present your arguments and evidence in court. A judge/jury will then determine the outcome and any damages awarded.

Suing another driver is a time-consuming process, so it’s crucial to consider your options carefully. Get advice from Uptown Injury Law, PLLC Uber accident lawyers to determine the best course of action. Moreover, legal proceedings can vary depending on the location, so it’s crucial to have professional legal advice tailored to your circumstances.

What Is the Financial Recovery Process if Another Driver Hits You?

Car accidents can have a huge and lasting effect on your physical and mental well-being, but they can also take a toll on your finances. After an accident, focusing on the financial recovery process is essential, ensuring that you can regain your financial stability.

1. Use Emergency Funds

If you have emergency funds or savings set aside for unexpected situations, now is the time to use them. These funds can be used to address costs, such as medical bills, auto vehicle repairs, and living expenses if you’re unable to work. Depending on your savings, this can prevent you from incurring debt while waiting for insurance claims to be resolved.

2. Leverage Your Insurance

Your own auto insurance is a valuable resource for financial recovery. If the other driver is at fault and doesn’t have insurance or sufficient coverage, your policy can help cover expenses. You may have:

  • Personal Injury Protection (PIP) for medical expenses.
  • Uninsured/underinsured motorist coverage for accidents with drivers who lack adequate insurance.
  • Collision and comprehensive coverage for vehicle repair or replacement.
  • If you have rental reimbursement coverage, your insurance policy can help cover the cost of a rental car while your vehicle is being repaired.

3. Document Expenses and Losses

Maintain thorough records of all accident-related expenses, including medical costs, vehicle repair receipts, and any other costs you’ve incurred. This documentation is crucial for insurance claims and potential legal action. It helps establish the extent of your financial losses.

4. Take Help from an Uber Accident Lawyer

In order to recover adequately, you may need the help of an Uber accident lawyer, especially in complex cases:

  • An Uber accident attorney can provide crucial legal guidance and explain your rights, deadlines, and obligations. They’ll help you navigate the legal process.
  • Accident lawyers are experts in negotiating with insurance companies. They’ll work to maximize the compensation you receive. They can handle discussions with insurance adjusters, who may try to minimize your settlement.
  • If negotiation fails to secure you a fair settlement, an attorney can initiate a lawsuit on your behalf. They’ll represent you in court and help you recover compensation for damages, medical expenses, lost income, pain and suffering, and more.

Consult Uptown Injury Law Uber Accident Attorneys in New York

At Uptown Injury Law, PLLC, we understand that dealing with insurance adjusters after an Uber accident can be complex. Your focus should be on healing, not navigating the intricacies of insurance claims. We’re here to help you through this challenging time.

Our Promise to You:

  1. Free Case Evaluation: Get started with a free, no-obligation case evaluation. We’ll assess your situation and discuss your options.
  2. Open and Honest Communication: Our commitment is to keep you well-informed at every stage. You can expect clear and transparent communication, ensuring you’re always in the loop regarding the progress of your case.
  3. Personalized Attention: We understand that every case is unique, and so are your needs. You’ll receive personalized attention and tailored legal strategies to address your specific situation, ensuring the best possible outcome for your claim.
  4. No Fee Unless You Win: We are committed to your case’s success. You only pay when we secure the compensation you deserve.

Why Choose Us?

Our NY personal injury attorneys have a proven track record, having represented thousands of seriously injured New Yorkers. We’re proud of the results we’ve achieved, exceeding $100 million in compensation for our clients throughout Manhattan, the Bronx, Brooklyn, Queens, and the New York City Metro Area for over 15 years.

Remember, the legal deadline for filing a car accident lawsuit in New York is three years. Don’t wait until it’s too late to assert your rights. To take the first step towards your recovery, schedule a free consultation, or you can give us a call at 917-540-8728. We’re here to fight for your rights and help you secure the compensation you deserve.

FAQs

What Happens When My Uber Is in an Accident?

When your Uber is involved in an accident, the first priority is safety. Ensure everyone’s well-being, exchange information with the other party, and report the incident through the Uber app for assistance and insurance coverage.

What Evidence Should You Collect for Your Uber Accident Claim?

To strengthen your Uber accident claim, collect critical evidence like photographs of the accident scene and damage, obtain witness statements, and save all medical bills and repair estimates. This documentation will support your case and help you secure the compensation you deserve.

Why Do Insurance Companies Deny Rideshare Drivers’ Claims?

Insurance companies often deny claims from rideshare drivers due to coverage gaps, as personal policies may not cover commercial activities. Additionally, some drivers may not have disclosed their rideshare work to their insurers, leading to rideshare accident claim denials.

Do I Need a Personal Injury Lawyer for an Uber or Lyft Accident?

While not mandatory, consulting a personal injury lawyer after an Uber or Lyft accident is advisable. Lawyers can navigate complex insurance claims, negotiate for fair compensation, and safeguard your legal rights throughout the process.

Who Can Seek Coverage After a Rideshare Accident?

Coverage after a rideshare accident can be sought by passengers, rideshare drivers, and third parties (e.g., pedestrians or occupants of other vehicles) involved in the accident. Insurance policies may apply to different parties based on the circumstances of the accident.

Does Workers’ Compensation Apply if I’m Injured While Driving for Uber?

No, Workers’ compensation typically doesn’t apply if you’re injured while driving for Uber, as drivers are considered independent contractors. However, Uber does provide limited insurance coverage during active trips, which may help with medical expenses in certain situations.

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Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers
WRITTEN AND REVIEWED BY
Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers

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