Ridesharing with Uber has transformed transportation. By simply using the Uber app, you can get a ride almost anywhere, making transportation more convenient than ever. However, with convenience comes risks. Accidents can happen, and passengers could end up injured.
In this article, typical Uber accident injuries, how to determine liability, along with legal options for pursuing a claim.
Typical Injuries in Uber Accidents
When riding in an Uber, a variety of injuries, especially during collisions or accidents. Among the most common injuries are:
Cervical Strain: This neck injury is common in rear-end collisions, resulting in pain and stiffness. The symptoms may take time to surface.
Bone Injuries: Accidents can easily cause fractures, especially in limbs. They may need surgery or prolonged recovery time.
Head and Brain Injuries: Brain injuries, including concussions, are often serious after crashes. These injuries may result in long-term cognitive issues and other serious health problems.
Herniated Discs and Paralysis: A severe impact may cause spinal cord damage, herniated discs, or even paralysis. They often result in long-term pain and expensive treatments.
Strains and Sprains: Soft tissue injuries like sprains and strains are common in car accidents. Despite being "minor," they can cause considerable pain and complications.
Severe Scratches and Lacerations: Broken glass and debris often cause lacerations. Such cuts may need immediate medical attention, including surgery.
Who Is Liable in an Uber Accident?
Understanding who is liable in an Uber injury case is often complex. Several parties may be responsible for the accident. The responsible party could be the Uber driver, another vehicle, or someone else.
Uber’s Driver: If the driver was negligent, distracted, or driving recklessly, they might be liable. Examples include speeding, DUI, or violating traffic rules.
Another Motorist: If another vehicle was at fault, their driver could be liable for the accident.
The Role of Uber: Uber may be liable in certain situations through its insurance policies. Uber offers up to $1 million in liability coverage during active rides.
Liability from Third Parties: Third parties, such as government entities or manufacturers, may be liable. Liability could extend beyond drivers, requiring investigation into other causes.
Insurance Coverage for Uber Accidents
Uber’s insurance coverage varies depending on the stage of the ride. The coverage changes whether the driver is waiting for a ride, en route, or carrying passengers.
Driver Not Using the App: When the driver is offline, their personal insurance is here responsible.
Driver Available for Rides: During this phase, Uber’s coverage includes $50,000 for injury liability per person. Coverage includes up to $50,000 per individual for bodily injury and $25,000 for property damage.
Active Uber Ride: Once the driver is picking up or transporting a passenger, Uber offers much higher coverage. The coverage includes $1 million for liability and uninsured motorists, as well as collision coverage.
Filing a Legal Claim After an Uber Accident
In severe injury cases, legal action might be the best option if insurance fails. Legal action may result in financial recovery for hospital bills, lost income, and more.