Mobile device using uber app

The Complicated World of Uber Insurance

On August 2018, the San Francisco Superior Court found an Uber driver guilty of vehicular manslaughter, a misdemeanor, after killing a 6-year-old back in 2013. Around the same year, the death of Elaine Herzberg made history when she became the first fatality of an Uber self-driving vehicle.

These are not isolated cases. A 2018 study by the University of Chicago Booth School of Business revealed that these ride-sharing vehicles increased traffic deaths by at least 2 percent across the country.

In busy cities such as New York and Los Angeles, the risks of Uber accidents are higher, especially those involving pedestrians. It doesn’t bode well for you if you’re living in the City of Angels. What makes it even worse is the complexity of getting damages for your injuries.

When Negotiations Are Difficult

Today, you will find an Uber accident attorney in Los Angeles for a good reason: filing insurance claims on your own is not convenient. In pre-Uber days, if a car hits you and you broke a rib that sent you to emergency and therapy for months, you can call the driver’s insurance company for settlement.

It’s usually not a smooth-sailing experience, but you have to deal with only a few people. If you have a lawyer, you can make it even easier for you. Now, when you meet an accident involving an Uber car, you have to deal with not only one but two or even more insurance companies. Here are some of the reasons:

1. Uber requires all drivers to have auto insurance if they own the vehicle. Not all who drive an Uber car owns the unit. The company has fleet partners, so it can provide those who wish to earn money but doesn’t have a vehicle to do it. In this case, the fleet partner provides the insurance coverage for the car.

2. Uber can provide limited liability insurance. Note, though, that it’s usually small. Furthermore, the coverage doesn’t include accidents that occur when the app is already off. It is, after all, an indication the driver is no longer working at the time.

These rideshare insurance policies usually work in phases, which makes the entire settlement process more confusing. These types of coverage are also not available in all areas.

3. Some Uber drivers might not reveal their job to their insurance company. It is common knowledge that auto insurance policies tend to go up when owners use their vehicles for business. It means that they have to travel longer and farther, which increases the chances of meeting an accident.

Uber driverIt explains why some of them choose to hide their Uber driving job from auto insurers. Otherwise, it can increase their premium by as much as three times.

When you suffer from an auto accident injury and you wish to file for damages, it’s essential to establish who is responsible for it. It can be challenging when you have multiple parties involved. Fortunately, you already know some basics. Most of all, some lawyers specialize in this unique type of accident.

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