Uber carries third party liability coverage which pays up to $1 million for injuries and damages. This insurance also protects you, the passenger.
What Can You Expect To Get If You’ve Been Injured In An Uber Accident?
Ridesharing services are everywhere, and the company that’s most prevalent in the entire market is Uber.
It can be easy to understand why Uber is so convenient: you don’t need to always carry cash, cars can pick you up and drop you off anywhere, and all the journeys are tracked, so you can share them with other people for safety reasons.
But what happens if you get hurt while in an Uber ride? How much compensation are you in for?
It Depends on Who Is Liable
In Missouri, all drivers need to have auto insurance. What’s more, Uber and other ride-sharing companies also require their affiliate drivers to take our car insurance.
When you are the victim of a car accident, you are entitled, by law, to compensation from the party who has caused you harm. In an Uber ride, there can be two parties involved:
- The Uber driver, who makes a mistake or is reckless;
- The other driver, who causes the accident.
If the Uber driver is responsible, then they are liable. Even if they have personal auto insurance, a lot of these policies don’t cover business rides. That means the driver is only covered when they are driving for their own use, not when they are taking Uber rides. But the good news is that Uber carries third party liability coverage which pays up to $1 million for injuries and damages. This insurance also protects you, the passenger.
If the car accident isn’t caused by the Uber driver, then you need to file a claim with the other driver’s auto insurance company and get compensated this way.
What If the Other Driver Is Uninsured?
Even though insurance is mandatory in Missouri, it’s possible to stumble upon uninsured motorists. Or, their policy may not be enough to cover the full cost of your injuries and damages. So, in these cases, who pays for your compensation?
Uber also has uninsured/underinsured insurance coverage that can pick up the slack, which is also covered at $1 million per accident. This policy is only activated when the at-fault driver is:
- Flees the scene and cannot be held accountable.
You need to understand that in these cases you cannot sue or file a claim against Uber. The drivers are not employees, but independent contractors, so the company is not held liable in all accidents.
As for how much compensation you get depends on:
- The extent of your injuries
- The cost of property damage
- Other hardships the accident caused (emotions; distress, missed work, etc.)
The compensation is calculated based on these criteria.
Call The St Louis Uber Lawyers Today
Were you the victim of a car accident while in an Uber ride? To know exactly who is liable and how to get compensated, please get in touch with a St. Louis Uber accident lawyer right away for a consultation.