Uber Accident Medical Bills

Just like any car on the road, Ubers can cause accidents. If you were hit by an Uber driver, you may wonder where to turn for compensation. You shouldn’t ever have to pay your medical bills out of your own pocket, but do you contact the driver’s personal insurance company, Uber’s insurance provider or your own auto insurance company? It can get complicated with rideshare services, but the following should give you some basic information on how you can get your medical bills paid after getting hit.

Uber Rideshare Insurance Coverage

If the Uber driver was en route to pick up a passenger or was carrying passengers at the time you were hit, Uber maintains $1,000,000 liability coverage. You should have access to this coverage if you have medical bills as a result of being hit by an Uber driver.

If the driver was waiting for a request from passengers, Uber offers $50,000 liability per person and $100,000 liability per accident. This only applies if the driver is personally underinsured.

The Driver’s Personal Insurance

If the Uber driver is completely off duty at the time he or she hit you, the claim would be filed with his or her personal auto insurance. If he or she is uninsured or underinsured, you could either look to your own insurance or file a lawsuit against the driver.

If the driver has personal coverage that exceeds Uber’s rideshare insurance coverage for drivers who are currently waiting for passenger requests, that personal coverage would be where you would turn.

Workers’ Compensation

If you snagged a ride with an Uber driver to travel somewhere for work, it’s possible you could receive compensation from your employer’s workers’ comp coverage. This may not apply if you were getting a ride to the office in the morning or on your way home after work, but it could apply if you were traveling from job site to job site to perform inspections or something similar.

Private Health Insurance

If all other options have been exhausted, you may have to turn to your own private health insurance for help paying your medical bills. This would typically only be the case if the Uber driver was off duty and personally uninsured. In such a case, you could still file a lawsuit against the driver.

Contacting an Attorney for Assistance

Ubers are super convenient for a variety of reasons, but if you are hit by a driver, you may not know where to seek compensation. Contact a car accident attorney, like an auto accident lawyer in Tampa, FL from Jeff Murphy Law, today for assistance in getting started with a claim or a lawsuit.