Ride-sharing apps are a great way to travel around the city. Although it has become a necessity these days, almost no one understands what they should do when they get involved in an accident — whether it’s in New York, Los Angeles, or anywhere else. That’s why Uber accident lawyers believe that being informed is one way to keep passengers from panicking and instead be alert on what they should do.
What do you do in case of a car accident?
The first thing you need to do is to stay calm. Call the police and emergency medical services (EMS) if necessary. If there are no injuries, you should get as much information as possible from the driver and the third party (if any).
According to Ridester, Uber provides rideshare insurance — a form of commercial insurance — to its driver partners. However, this doesn’t mean that it’ll take effect immediately once the driver opens the mobile app. A driver’s time is divided into three periods:
- 1st period – The driver opens their Uber app and is waiting for a passenger
- 2nd period – The driver gets a request and is on their way to pick up their passenger
- 3rd period – The driver has picked up their passenger and is on their way to a specific destination
The 3rd period is the easiest to file an insurance for since the driver is “on duty” and Uber will cover whatever incident would take place. As HG.org adds, Uber has a $1 million policy that covers both the driver and the passenger under a liability insurance policy. If a third party was involved, like a pedestrian or another driver, they’re also covered by the policy.
How do you file a claim?
Filing a claim entitles you a compensation for medical expenses, lost wages, and even the pain and suffering you’ve experienced. There are three insurance providers that may get involved when an Uber driver gets into an accident:
- The Uber driver’s insurance provider
- Uber’s insurance provider
- The other driver’s insurance provider
It’s best to get in touch with them as soon as you can, but it would be better if you can do it with an expert. Hiring a lawyer can help you handle all the calls with these insurance companies. They can also help investigate your case and gather evidence to support your claim.
Nobody wants to get into the accident, but at times like these, it’s essential to equip yourself with the right knowledge even before it happens.