WHAT HAPPENS WHEN AN UBER ACCIDENT RESULTS IN INJURIES TO DRIVERS, PASSENGERS, OR THIRD-PARTY VICTIMS?
Jonathan Perazzo, personal injury attorney and founder of the Perazzo Law Firm, shares basic and valuable insight for drivers, passengers, or third-party victims that have suffered losses from an Uber accident in Miami-Dade or Broward County.
“Little known fact: in Florida, if the app is on at the time of the Uber accident, there is $50,000 in coverage through Uninsured Motorist Coverage (UM) for the Uber driver and $50,000 UM coverage for those individuals riding in vehicle that the Uber driver crashed into.” (See UM Coverage).
Uber represents the fasting-growing rideshare service in the United States thanks to the user-friendliness of its App; the quality of its drivers and vehicles, the range it covers within cities and suburbs, and modest rates. Regardless, Uber drivers are not exempt from getting into car accidents just like any other vehicle on the road, and this may be a direct result of the Uber driver’s negligence or the fault of another motorist. Therefore, an Uber car accident should be handled like any other car crash or any motor vehicle accident in Miami (see What to do after a car accident). The only difference between a private vehicle and an Uber is that the Uber vehicle will carry enough insurance to cover medical costs and losses to the Uber accident victim. When an Uber accident occurs, regardless of fault, Uber drivers and passengers are covered for as much as $1,000,000.00 to cover medical expenses, damages, and losses to injured parties not at fault. But how to get that from Uber and the insurance provider?
The Role of a Personal Injury Lawyer when dealing with an Uber related Accident
An experienced car accident and personal injury lawyer will know what to do and how to achieve a successful insurance claim for compensation from the Uber insurance provider. When an accident occurs, drivers must exchange vehicle and personal information. This information should be passed-on to the personal injury lawyer that represents the accident victims or those involved in the Uber accident. When an insurance claim is presented against an insurance provider, the personal injury lawyer handling the claim will send a letter to the insurance provider requesting information to verify that an Uber driver or vehicle was involved in the accident. The insurance provider will have to reply and if there is an Uber services vehicle was indeed involved in the accident, the insurance provider will have to compensate Uber drivers or passengers regardless of fault for the accident. Whether an Uber vehicle insurance provider will cover third-party accident victims for losses depends on establishing fault for the accident on behalf of the Uber services vehicle (See Establishing Fault in a Car Accident).
INSURANCE CLAIMS AND DETERMINING FAULT
After a car crash in Miami, establishing fault for the collision is important and something that an experienced car accident attorney can do to maximize the chances of a successful insurance claim to compensate Uber accident victims; who must remember that Florida motorists are obliged by law to carry some sort of insurance coverage, with the mandatory insurance coverage policies being PIP and PD. Regardless, some motorists may not carry any insurance at all. When this happens, professional car accident lawyers are required to receive compensation for bodily harm, vehicle damage, or financial losses. A lawyer that has experience handling insurance claims that involve Uber, will investigate the Uber accident by aiming to interview accident victims and any witnesses, as well as try to gather footage from any surveillance cameras in the vicinity of the accident. These measures will help establish fault for the accident and help determine the extent of injuries and damages incurred by the accident victims.
WHAT TYPE OF INSURANCE DOES UBER CARRY?
Bodily Injury Insurance
An Uber services vehicle will carry Bodily Injury Insurance with a policy that will cover as much as $1 million in compensation for injuries, medical expenses, lost wages, or any other losses incurred from the Uber related accident.
Bodily Injury (BI) is carried by Uber and gives the insured party financial coverage when at fault for the personal injury or wrongful death to passengers or individuals. It covers the assets for those responsible for an Uber accident. When you are the victim in an Uber accident, this insurance coverage is where your car accident lawyer will try to gain compensation for your injuries, damages or lost wages. BI also covers legal fees if the policy holder is taken to court for legal action through the insurance claim. BI is mandatory for Uber services vehicles and when vehicle owners are financing or leasing a vehicle. BI is purchased differently than other insurance coverages as it is sold in two parts; maximum per person and a maximum total. Sometimes a policy may be sold as $100K / $300K or $10K / $20K. The first figure represents the maximum amount payable per person and the second figure represents a maximum total to be paid out per accident. UM works in a very similar manner (see Insurance Policies for Florida Vehicle Owners).
COMMON INJURIES FROM UBER ACCIDENTS
After an accident that involves an Uber services vehicle, common injuries may include:
- Head Injuries
- Shoulder Injuries
- Neck Injuries
- Back Injuries
- Hip Injuries
- Breaks / Fractures
All of the above injuries should be evaluated by a trained medical professional through an MRI study at a quality imaging center. It is important that Uber related accident victims that suffer any of the above injuries understand that sometimes injuries such as those to the cervical spine, may not manifest themselves immediately after the accident and may develop over time. That is why, a medical evaluation immediately after the Uber services vehicle or any car accident, is highly recommended.
If you, a friend, or relative has suffered bodily injury after an accident involving an Uber rideshare services vehicle in Miami, the personal injury staff of lawyers at the Perazzo Law Firm urge you to contact them ONLINE for a FREE initial consultation and ZERO OUT-OF-POCKET FEES to its Uber accident victims.
The Perazzo Law Firm is highly dedicated to providing Uber accident victims with the best possible legal representation when handling Uber accident insurance claims for compensation to cover injuries, damages, medical expenses, and losses stemming from an Uber car accident in Miami-Dade and Broward County.
THE PERAZZO LAW FIRM – DEDICATED TO PUTTING YOUR INTERESTS FIRST!