This has been explained through the $1 million insurance plan purchased for drivers of Uber. This program implemented by the company covers all incidents through the acceptance of the trip and the final destination of the rider involved.
Because Uber mainly consists of third-party individuals driving someone similar to a taxi, there may be new lawsuits that arise because of the questionable nature of this phenomenon. Various persons may try to take advantage of any possible confusion involved with these situations by faking incidents or attempting to defraud the company. This could mean additional cases that must be defended, extra money wasted on these instances and time and energy diverted. It is possible with a great ad campaign that the company may eliminate or reduce these concerns by explaining the insurance policy in a clear manner for any potential persons causing an issue.
The insurance policy that has been purchased to cover drivers’ liability for all riders within the vehicle is implemented as a first used policy which overrides the personal coverage for a vehicle the driver may already have. This means it is used before any other insurance plans would become necessary. Another boon to the policy, it has an uninsured or underinsured motorist stipulation that ensures anyone in the Uber vehicle may be medically covered if injury occurs through the actions of another driver that has no or little insurance. Additional areas of comprehensive and contingent collision may be covered if the driver has his or her own personal policy covering these. However, a deductible may be necessary if stipulated in his or her own insurance plan.
When no trip has been accepted and the driver is in a waiting period, there is a 3rd party liability policy in effect provided by Uber. This either meets or exceeds what is required by any state in the country for liability insurance. Another part of the policy covers liability when it is necessary. Bodily injury may be provided in the amount of $50,000 for an individual for each accident. This totals out at $100,000 for each singular collision and up to a maximum amount in property damage of $25,000. It is still stipulated that drivers that operate these vehicles must maintain their own personal state required insurance plans if they want to drive for Uber in that state.
Coverage and Personal Claims
There are instances where the person driving may be hit by someone else. This could include partial responsibility through the use of a phone while driving or other potential dangers. When filing a claim through insurance, this could be denied due to the fact that the driver was on the way to pick up a client and was working for a business. However, in some instances Uber may not cover anything when this occurs. It is situations like this that a lawyer may be necessary for medical and property concerns that arise through these events.
When driving for Uber, it is best to fully understand the insurance policy taken out for drivers, and what is expected when on route or idle. These different situations often cause issues when the person is unaware he or she may be entirely dependent upon personal insurance based on the state requirements for liability. However, when responsible for insurance not covered by the company, it may be difficult to convince the insurance carrier of the individual that the company policy is not effect while not specifically with a client that purchased a ride. Additionally, a fight may be on the horizon for many drivers if subjected to collision while not with a rider.
Fighting for a Claim
Insurance companies may argue that the driver should be covered by the business while working for the company, even when it has stated the personal insurance covers times when there is no rider. Even when fully explained these situations, the carrier may fight the claim. In these instances, it may be best to obtain a lawyer to ensure the case is completed correctly and filed appropriately. If any additional action is needed, these persons may assist in ensuring they are accomplished.