Uber has changed the way we travel. With a simple tap on your smartphone, you can get a ride almost anywhere, making transportation more convenient than ever. However, with convenience comes risks. Crashes can still take place, leading to potential passenger injuries.
In this article, typical Uber accident injuries, how to determine liability, as well as the legal process for compensation.
Typical Injuries in Uber Accidents
An Uber accident can cause many different types of injuries, particularly when the vehicle is in an accident. Some frequent injuries include:
Whiplash: This neck injury is common in rear-end collisions, resulting in pain and stiffness. The symptoms may take time to surface.
Fractures: Accidents can easily cause fractures, especially in limbs. They may need surgery or prolonged recovery time.
Traumatic Brain Injuries (TBI): Accidents may cause head trauma, ranging from mild to severe. Head injuries can affect cognition and health for a long time.
Herniated Discs and Paralysis: A severe impact may cause spinal cord damage, herniated discs, or even paralysis. These types of injuries often need extensive medical intervention.
Soft Tissue Injuries: Muscle injuries, including sprains and tears, often occur. Even though they might seem minor, they cause substantial pain.
Deep Cuts and Wounds: Shattered glass or other debris from an accident may lead to severe cuts. Such cuts may need immediate medical attention, including surgery.
Who Is Liable in an Uber Accident?
Determining fault in Uber accident cases can be tricky. Multiple parties might share the blame for an accident. Liability can include the Uber driver, other drivers, or even third parties.
Driver Liability: The Uber driver can be responsible for any injuries if they were at fault. Common causes include distracted driving or breaking traffic laws.
Another Motorist: When another driver causes the accident, they may be held responsible.
Uber as a Company: Although Uber classifies drivers as independent contractors, the company’s insurance might apply. Uber’s insurance includes a $1 million policy for accidents during trips.
Liability from Third Parties: Road conditions, vehicle malfunctions, or other external factors can contribute to accidents. Liability could extend beyond drivers, requiring investigation into other causes.
What Uber’s Insurance Covers in Accidents
Uber’s insurance uber accident claims settlement coverage varies depending on the stage of the ride. The coverage changes whether the driver is waiting for a ride, en route, or carrying passengers.
Driver Not Using the App: If the driver is not using the Uber app, their personal insurance applies.
Driver Online Without Passengers: While waiting for a ride request, Uber’s insurance offers minimal coverage. Liability limits include $50,000 for injuries and $25,000 for vehicle damage.
Driver Picking Up or Transporting Passengers: When an Uber driver is on a trip, the company’s insurance provides up to $1 million in coverage. The coverage includes $1 million for liability and uninsured motorists, as well as collision coverage.
Filing a Legal Claim After an Uber Accident
In severe injury cases, legal action might be the best option if insurance fails. A lawsuit can provide compensation for medical bills, lost earnings, and pain and suffering.