Uber accident coverage is a complex topic. If you were hurt as a passenger in an Uber or if you were involved in an accident with an Uber while driving your own vehicle, you might find yourself facing a labyrinth of insurance claims and rules. While Uber offers coverage for its drivers when they have the application turned on or when the driver is picking up a passenger or is carrying a passenger, the driver’s regular insurance policy is the only policy in place if the application is turned off and the driver is using the Uber for personal use. While accident victims might think that these cases would be more straightforward, this couldn’t be further from the truth. Personal car insurance policies often have fine print that could potentially lead to exclusion of coverage if the driver is found to be using his or her vehicle for Uber or commercial purposes. If a driver fails to inform his or her personal insurance policy about his using the vehicle for Uber, the driver’s policy could be cancelled and the insurance company can refuse to cover any damages for any other accident that takes place during the driver’s personal time. Furthermore, Uber has different tiers of coverage for accidents that take place when the application is turned on and when the driver is picking up a passenger or is carrying a passenger. Additionally, ride share companies may also include additional coverage for under insured drivers.
If you were in an Uber accident in Brentwood, Tennessee, you might find yourself asking a range of complex questions, like—which insurance policy is responsible for paying my settlement? Who is at fault for my accident? What rights do I have? George R. Fusner, Jr. are Uber accident lawyers in Brentwood, Tennessee who work closely with victims and families who have suffered due to an Uber accident. Visit us today to learn more about your rights and options under the law.
What an Uber Accident Lawyer in Brentwood, Tennessee Can Do for You
An Uber accident lawyer in Brentwood, Tennessee can help you and your family untangle the complexities of negligence and the insurance claims process. After a serious accident, your focus should be on healing, not on the other driver’s insurance policy. How does Uber’s insurance work?
- Uber insurance is a tiered policy, meaning that as a driver engages in different activities, he or she will enjoy different levels of coverage.
- While the application is turned on, the Uber driver is covered up to $50,000 per person and $100,000 for an entire accident, as well as another $25,000 for property damage, if the Uber driver was at fault for the crash.
- If the Uber was driving to pick up a passenger or was transporting a passenger in a trip, the driver is covered up to $1,000,000. This includes third party damages to pedestrians, passengers, other drivers, personal property, or other vehicles. If the other driver is at fault and doesn’t have sufficient coverage, this policy will cover the gaps up to $1,000,000.
- When the Uber driver is operating his or her vehicle for personal use, Uber does not cover the vehicle. The driver’s personal insurance policy will be responsible for paying for damages and losses.
Are you an Uber driver having trouble understanding what is or isn’t covered? Were you hurt as a passenger in an Uber vehicle? Were you involved in an accident with an Uber? If you are in these situations, you do not need to navigate the claims process alone. George R. Fusner, Jr. are Uber accident lawyers in Brentwood, Tennessee who may be able to help you with the claims process.
What if I Was in a Lyft Accident in Brentwood, Tennessee?
The issues facing Lyft accident victims are like those facing Uber accident victims. Lyft provides tiered coverage to its drivers. Like Uber, Lyft will cover a driver while he or she is transporting a passenger or when he or she is driving to pick a passenger up. Damages up to $1,000,000 are covered in this case, and this also includes coverage for uninsured or underinsured motorists. However, if the driver had the Lyft application turned on, but wasn’t transporting a passenger, then Lyft’s policy only covers bodily injury up to $50,000 for one person and $100,000 for the whole accident. This coverage only applies if the Lyft driver was at fault for the crash. This policy also covers property damage up to $25,000. If the Lyft application wasn’t in use and the Lyft driver was in a crash, then the driver’s personal policy is responsible. However, like Uber crashes, sometimes personal policies won’t cover drivers or will cancel coverage when the insurance learns that the driver uses his or her car for Uber. Making a Lyft claim can be complex. R. Fusner, Jr. is a Lyft accident lawyer in Brentwood, Tennessee who works with individuals who have been hurt in a crash. Contact us today to learn more.
What Can a Lyft Accident Lawyer in Brentwood, Tennessee Do for Me?
A Lyft accident lawyer can review the circumstances of your accident and fight to help you get the best possible settlement permitted under the law. Car accident adjusters sometimes use formulas or computer programs to estimate the value of a claim. A qualified Lyft accident lawyer like George R. Fusner, Jr. can review your case and help you navigate the claims process, and can even navigate the claims process involving multiple insurers. We can gather evidence to support your claim and help you get the best possible settlement permitted under the law. If insurance companies are not covering your full medical bills or lost wages, George R. Fusner, Jr. may be able to help. You may only have a limited amount of time to make a claim after a crash. Visit our law firm today to learn more about how you may be able to seek damages to cover your medical expenses, lost wages, rehabilitation costs, and pain and suffering damages after an Uber or Lyft accident in Brentwood, Tennessee.