Ridesharing with Uber has transformed transportation. With a simple tap on your smartphone, you can request a ride within minutes, making transportation more convenient than ever. Despite its convenience, risks still exist. Collisions can occur, leading to potential passenger injuries.
In this article, the most common injuries in Uber-related accidents, who may be liable for damages, along with legal options for pursuing a claim.
Common Uber Injuries
An Uber accident can cause a wide range of injuries, especially during collisions or accidents. Some frequent injuries include:
Whiplash: Whiplash often results from rear-end crashes, resulting in pain and stiffness. Symptoms can be delayed, making it harder to recognize early on.
Broken Bones: Accidents can easily cause fractures, especially in limbs. Such injuries often require long recovery periods and surgery.
Traumatic Brain Injuries (TBI): From mild concussions to severe TBIs, head injuries can vary in severity. Head injuries can affect cognition and health for a long time.
Spine Injuries: Back and spine injuries are common in high-impact crashes. These types of injuries often need extensive medical intervention.
Soft Tissue Injuries: Soft tissue injuries like sprains and strains are common in car accidents. Though less visible, they can cause significant discomfort.
Severe Scratches and Lacerations: Shattered glass or other debris from an accident may lead to severe cuts. Such cuts may need immediate medical attention, including surgery.
Figuring Out Fault in Uber Injury Cases
Understanding who is liable in an Uber injury case is often complex. Several parties may be responsible for the accident. Liability could fall on the Uber driver, other motorists, or other third parties.
The Uber Driver: If the driver was negligent, distracted, or driving recklessly, they might be liable. Examples include speeding, DUI, or violating traffic rules.
A Different Driver: If another motorist causes the crash, they could bear the blame.
Uber as a Company: Uber itself could be liable uber driver accident settlement if certain conditions are met under their insurance policy. 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. In such cases, lawsuits may involve multiple parties to determine responsibility.
What Uber’s Insurance Covers in Accidents
Uber provides different levels of insurance depending on the status of the trip. Coverage changes depending on if the driver is waiting for a ride request or transporting passengers.
Driver Not Using the App: When the driver is offline, their personal insurance is responsible.
Driver Awaiting Ride Requests: Uber provides limited insurance coverage when a driver is available but not carrying passengers. Coverage includes up to $50,000 per individual for bodily injury and $25,000 for property damage.
Active Uber Ride: When an Uber driver is on a trip, the company’s insurance provides up to $1 million in coverage. This includes $1 million in third-party liability coverage, uninsured motorist coverage, and collision coverage.
Filing a Legal Claim After an Uber Accident
When serious injuries occur, filing a lawsuit might be necessary if insurance isn’t enough. The legal process can help victims recover lost wages, medical expenses, and damages.