Ridesharing services like Uber have become a big part of how we get around. They are convenient, often cheaper than taxis, and just a few taps away on our phones. But what happens when an Uber ride goes wrong? If you are in an accident involving an Uber, you might wonder how it differs from a regular car crash. Our team looks at Uber accidents and reveals what differentiates them from car accidents.
Insurance Complications
One of the main differences between Uber accidents and regular car accidents is insurance coverage. In a typical car crash, you deal with your insurance company and the other driver’s insurer. But with Uber, it gets a bit complicated. Uber provides insurance for its drivers, but the coverage changes depending on the driver’s status at the time of the accident. Here is how it breaks down:
- App is off: When the driver is not using the Uber app, their personal auto insurance applies.
- App is on, waiting for a ride request: Uber provides limited liability coverage.
- En route to pick up a passenger or during a trip: Uber offers $1 million in liability coverage.
This shifting coverage can make it tricky to determine which insurance policy applies to your accident. You might need to deal with multiple insurance companies, which can slow down the claims process.
Multiple Parties Involved
In a regular car accident, you usually have two drivers involved. But an Uber accident can bring more parties into the mix:
- The Uber driver
- The Uber passenger(s)
- Other drivers on the road
- Uber itself
- Insurance companies
With more parties involved, determining fault and liability becomes more challenging. It might take longer to resolve the case, and you could face conflicting accounts of what happened.
Driver Classification Issues
Uber drivers are usually considered independent contractors, not employees. This classification can affect your ability to hold Uber responsible for the accident. You can often sue the company directly in a regular car accident with a company vehicle. But with Uber, it is not so straightforward. The company might argue it is not liable because the driver is not an employee. This classification is a hot topic in many states, with some pushing for Uber drivers to be considered employees. If that happens, it could change how accident claims are handled.
Technology Factor
Uber’s app is central to its service and can play a role in accidents. Drivers might be distracted by incoming ride requests or navigating using the app. This tech-related distraction is not usually a factor in regular car accidents. The app can also be useful after an accident. It records the trip, including the route and the vehicle’s speed. This data can be valuable evidence in determining what happened.
Passenger Rights and Responsibilities
As an Uber passenger, your rights in an accident differ from those of a regular car passenger. You are considered a customer of Uber, which means the company has a duty to ensure your safety. If you are injured as an Uber passenger, you might have a claim against:
- The Uber driver
- Another driver involved in the crash
- Uber itself
- Multiple parties
Background Check and Driver Requirements
Uber has its own driver requirements, which are different from regular driving licenses. These include:
- A minimum age requirement
- A certain number of years of driving experience
- A clean driving record
- Passing a background check
If an accident happens and it turns out the driver did not meet these requirements, it could affect your claim. You might have a stronger case against Uber for negligent hiring practices.
Reporting the Accident
Reporting an Uber accident involves extra steps compared to a regular car crash. Along with calling the police and exchanging information with other drivers, you should:
- Report the accident through the Uber app
- Contact Uber’s emergency hotline
- Take screenshots of your trip information
These additional reporting steps can help protect your rights and create a record of the incident.
Compensation Differences
How compensation works in an Uber accident can differ from a regular car crash. In a typical accident, you might seek compensation from the at-fault driver’s insurance. With Uber, you could be eligible for compensation from:
- Uber’s insurance policy
- The driver’s personal insurance
- Your own insurance (if you have rideshare coverage)
- Multiple insurance policies
Seek Legal Advice
While Uber accidents are similar to regular car crashes, they come with challenges. From insurance complications to legal issues, these cases require careful handling. If you are involved in an Uber accident, contact our team at Altman Nussbaum Shunnarah today.
