Managing Partner
Ridesharing services, like Uber, are more popular than ever. Unfortunately, however, with so many Uber drivers on the road, accidents are bound to happen. And when you’re involved in an Uber accident, it’s important to know how to file an insurance claim to ensure that you are properly compensated for your injuries. In this article, we discuss filing an insurance claim after an Uber accident.
No-Fault Insurance in New York
The state of New York uses a no-fault insurance system for auto accidents, which means that insured parties generally receive reimbursement from their insurance company for damages, regardless of which party was responsible for causing the accident. Thus, when you are a passenger in an Uber accident, Uber’s insurance policy will typically cover your economic damages, such as lost wages and medical expenses.
Uber Insurance Coverage
If you are injured in an Uber accident in New York, you will likely be covered by Uber’s insurance policy. Below is an overview of how Uber’s insurance coverage works:
- If the Uber driver is logged into Uber’s system, but he or she hasn’t yet accepted a ride request, Uber’s contingent liability coverage applies, which covers $75,000 for bodily injury for a single person and $150,000 per accident.
- If the Uber driver is on the way to pick up a passenger or already has a passenger in his or her vehicle, Uber’s primary liability coverage applies, which covers up to $1 million for third-party liability.
What to Do After an Uber Accident In New York
Taking the appropriate actions after a New York Uber accident will help ensure that you are properly compensated for your injuries. Following an Uber accident, you should take the following steps:
Contact law enforcement: The first thing you should do following an Uber accident in New York is call the police, especially if you or anyone else is injured. In addition to ensuring that you and others receive medical attention, the police will draft a report that will be useful when you file your claim.
Report the accident to Uber: Next, use the Uber app to report your accident as soon as possible. When reporting the accident to Uber, provide details of the accident, including the location, time, and description of what occurred.
Collect evidence: Evidence is important in any accident claim. Therefore, you should gather evidence following your Uber accident. Important evidence to gather includes witness contact information, witness statements, photos and videos of the accident scene, and any other relevant information.
Notify your insurance provider: You should also inform your insurance company of the accident. Your insurance company may provide you with advice on how to proceed with your claim and may even provide you with additional coverage.
Seek medical attention: Even if you don’t believe you’ve been injured, you should visit a doctor. Some injuries don’t present immediate symptoms, so it’s important to receive an examination to identify any hidden injuries. In addition, seeing a doctor will create a record that can be useful when you file your claim.
Contact an attorney: Finally, if you have been involved in an Uber accident in New York, you should contact an attorney. At Dell & Dean, PLLC, we are here to help you with your Uber accident claim. When you come to us for assistance, we will review your case and take the steps necessary to obtain financial compensation on your behalf. Please contact us today to arrange a meeting with an experienced car accident lawyer.
