Ride-sharing startup company Uber offers a more comfortable alternative to hailing a cab, as its drivers use their own vehicles to ease commuters’ woes. However, like any other driver, one who is an independent contractor with Uber can still get into an auto accident with you.
While the Uber car driver’s employment status can initially cause some confusion as to who is liable for your auto accident, here are some tips on how to deal with the actual incident.
- You can file a compensation claim against the insurance provider of the Uber car driver who got involved in your auto accident, but only if they’re off-duty at the time of the incident.
Uber has a separate smartphone app that’s exclusively for drivers that allows them to log in and accept passenger bookings and log out later to end their shift. An Uber car driver logging out of the company’s smartphone app is considered to be off-duty, which makes them personally liable for any accident that they might cause to happen to their fellow drivers. Thus, you can demand compensation from the Uber car driver’s insurance provider, provided they already logged out of their smartphone app when they collided with your car.
- You’ll want your auto insurance to have uninsured/underinsured motorist coverage if the off-duty Uber car driver who got involved in an accident with you doesn’t carry any insurance, or their auto insurance coverage isn’t enough to shoulder all the accident-related costs that you’ve incurred.
The off-duty Uber car driver who got involved in an auto accident with you may have been too reliant on the insurance that Uber provides them. Or, he or she may have auto insurance, but his or her coverage isn’t sufficient to shoulder all your accident-related costs. You should, therefore, have uninsured/underinsured motorist coverage added on top of your existing auto insurance so you don’t have to pay all of your accident-related expenses out of pocket.
- If the driver has signed in to Uber and then been involved in an auto accident with you, you can demand compensation from their company.
If an Uber car driver is logged into the smartphone app and then gets involved in an auto accident with you, you can file for compensation against the startup company. However, the maximum amount of coverage that you can get from Uber depends on their car driver’s activity at the time of the said incident.
- If the Uber car driver is on duty but didn’t have any passengers at the time of your auto accident with them, Uber will only cover up to $50,000 for injuries, $25,000 for property damage, and $100,000 for any of the two.
- On the other hand, if the Uber car driver had accepted a passenger booking and then was involved in an auto accident with you, Uber will cover up to one million dollars in injuries and property damage.
As of 2017, 160,000 drivers have signed up as independent contractors under Uber. One of the company’s car drivers may get involved in an auto accident with you. But determining who’s responsible for your accident can be tricky, as Uber doesn’t consider its car drivers actual employees. You’ll want to take note of the above tips on how to deal with such an accident, and discuss them with a lawyer so that you can get justly compensated.