An Uber accident lawyer can help you if you were involved in any kind of Uber accident. Generally, there are four kinds of accidents involving ride share companies. Accidents occur when you are a passenger, pedestrian, a passenger in the opposite vehicle, and sometimes when you are not engaged in the use of the ride share program at all. It is important to note that depending on how the accident happens, your rights and ability to recover my change. The goal of this article is to help you understand your rights, regardless of the kind of Uber accident.
No Fault – How Can an Uber Accident Lawyer Help Me?
In any car accident, an Uber Accident Lawyer will tell you that the first step is filing the no-fault insurance application. No-fault insurance should cover your medical expenses as well as 80% of your lost wages in you are in a car accident. In New York, the no-fault insurance coverage which provides coverage in an accident is the insurance for the vehicle that you are in. For example, if you are a passenger in an Uber and you are rear ended, the active no-fault insurance is the insurance for the Uber. This can sometimes cause confusion. This is because a vehicle does not have to be at fault to provide no-fault coverage. In fact, often the insurance providing no-fault coverage is not at fault at all. However, in most cases the vehicle you are in is obligated to provide insurance. If you are a pedestrian, the vehicle which was in the accident with you will cover your no-fault expenses as well.
Uber Specific
If you are injured by the negligent actions of an Uber driver then the insurance coverage for Uber is responsible to pay for your recovery in most cases. However, your Uber Accident Lawyer should explain that the insurance coverage changes based on whether the Uber driver is on a prearranged trip. A prearranged trip is the kind of trip we think about when we use Uber services.
A prearranged trip begins as soon as a driver accepts a fair. It ends when the driver drops of the passenger. Under these circumstances, Uber must have an insurance policy of at least $1,000,000. However, if the driver is not on a prearranged trip the coverage is very different.
Under these circumstances, ride share companies must have $50,000 per person and $100,000 per accident. This means that if the driver injures that any singular person there is coverage up to $50,000. There is a maximum of $100,000 per accident under that policy. Interestingly these policies do not necessarily apply in the five boroughs of New York City. What then, can your Uber Accident Lawyer do for you if there is not enough coverage?
What is SUM Coverage and How Can my Uber Accident Lawyer Use it to Help Me?
SUM coverage stands for supplementary underinsured coverage. This is coverage that you probably don’t know that you have. Understanding where this coverage comes from can be tricky. Your Uber Accident Lawyer will need to know the answer to a number of questions to see if you have it. If you own and insure a car, or you live with a relative who does, you have SUM coverage.
SUM coverage is coverage you use when the person who hurt you does not have enough coverage. If your injuries qualify to receive the full policy from the Uber driver, you can use your own SUM coverage. SUM coverage is still subject to policy limits. Therefore, it is important to increase your limits so that you can protect yourself. Additionally, you should increase your limits. You cannot recover from your SUM limits unless they are higher than the limits for the person that hit you. All of this is to say that the insurance coverage when it comes to ride share companies is always changing. It is important to have an Uber Accident Lawyer on your side who can understand these changes and help you through the process.
