Ridesharing with Uber has transformed transportation. With just a tap on your phone, you can request a ride within minutes, making it incredibly convenient. Despite its convenience, risks still exist. Crashes can still take place, leading to potential passenger injuries.
This article explores the most common injuries in Uber-related accidents, the process of determining fault, as well as the legal process for compensation.
Typical Injuries in Uber Accidents
When riding in an Uber, many different types of injuries, especially during collisions or accidents. Some of the most common injuries that occur include:
Neck Injuries: Whiplash often results from rear-end crashes, which can lead to significant discomfort. The symptoms may take time to surface.
Broken Bones: High-impact accidents can lead to broken arms, legs, and ribs. Fractures may demand extended treatment and rehabilitation.
Head and Brain Injuries: Brain injuries, including concussions, uber injury protection are often serious after crashes. Head injuries can affect cognition and health for a long time.
Back and Spinal Cord Injuries: 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: Muscle injuries, including sprains and tears, often occur. Though less visible, they can cause significant discomfort.
Deep Cuts and Wounds: Broken glass and debris often cause lacerations. Some of these wounds may require stitches or surgical repair.
Determining Liability in Uber Injury Cases
Liability in Uber-related accidents can be complicated. Various individuals and entities could be held accountable. Liability can include the Uber driver, other drivers, or even third parties.
The Uber Driver: Uber drivers can be held liable if they were negligent or reckless. Examples include speeding, DUI, or violating traffic rules.
A Different Driver: When another driver causes the accident, they may be held responsible.
The Role of Uber: Uber may be liable in certain situations through its insurance policies. Uber’s insurance includes a $1 million policy for accidents during trips.
Other Third Parties: Road conditions, vehicle malfunctions, or other external factors can contribute to accidents. Liability could extend beyond drivers, requiring investigation into other causes.
Insurance Coverage for Uber Accidents
Uber provides different levels of insurance depending on the status of the trip. The coverage changes whether the driver is waiting for a ride, en route, or carrying passengers.
No App Usage: If the driver is not using the Uber app, their personal insurance applies.
Driver Online Without Passengers: While waiting for a ride request, Uber’s insurance offers minimal coverage. Liability limits include $50,000 for injuries and $25,000 for vehicle damage.
Driver Picking Up or Transporting Passengers: When an Uber driver is on a trip, the company’s insurance provides up to $1 million in coverage. The coverage includes $1 million for liability and uninsured motorists, as well as collision coverage.
Filing a Legal Claim After an Uber Accident
When serious injuries occur, filing a lawsuit might be necessary if insurance isn’t enough. Legal action may result in financial recovery for hospital bills, lost income, and more.