Uber and Lyft Have Changed the Game.
In heavily trafficked Urban areas like downtown Tampa ridesharing is simple. Just open your phone, click on the Uber app, and a driver will be at your door in minutes. You don’t even need a car anymore.
We see a wide variety of auto injuries associated with Uber and Lyft accidents in Tampa, including:\
But what if your in an Uber related accident? What if your hurt? Who pays your medical bills? What insurance will cover what has been taken from you?
Below we discuss what makes Uber Tampa Auto Accident Case Different. We’ll discuss when you have a ride-sharing or taxi claim. Finally, we’ll explain how a Tampa Uber Auto Accident Attorney will bring an insurance claim to recover money to replace what bad drivers have taken from you.
What Makes Uber and Lyft Cases Different Than Your Average Car Accident Claim?
Let’s look at the average Tampa auto accident case. A negligent driver breaks a safety driving rule. A crash happens. An innocent person is hurt as a result. The innocent person has medical bills. The innocent person loses time at work. And the innocent person loses quality of life. The innocent person seeks money to compensate for these losses. The negligent driver’s insurance defends the driver and ultimately pays for the claim.
Uber and Lyft cases are different.
Uber and Lyft drivers usually have their own insurance coverage. But Uber as a company also provides insurance coverage. There are more insurance policies and rules in play with Uber and Lyft auto accidents.
Ridesharing “Companies” have a unique corporate structure. Instead of a traditional business with old fashioned employees, Uber and Lyft use an app to contract out rides to third party drivers. Uber takes a cut off the top. The rider gets the rest of the fair.
At first, Uber and Lyft took the position that they were not responsible if a rider was injured while taking an uber ride. Soon however they realized that they would struggle to get approval in different States if they did not make sure to provide coverage for people injured in an auto accident.
Now both companies have excellent coverage to protect uber riders who are injured in a Uber accident.
Let’s start with Uber’s coverage for its driver.
Uber has additional coverage to protect its drivers from the bad driving of other drivers. This applies as long as Uber’s app is open for the driver.
En Route to Pick Up a Passenger
If your in an Uber vehicle and en route to pick up a passenger Uber’s insurance has you covered. Uber provides both liability and uninsured motorist coverage.
That means if the negligent driver who caused the accident is the Uber driver then the injured person has coverage The amount of potential coverage is $50K per person and 100K per accident.
That also means that if another driver causes the accident by smashing into the Uber, Uber has coverage for injury for the innocent victim in the Uber. This potential coverage is also $50K per person and 100K per accident.
This coverage is secondary to everybody’s primary insurance. If you are the innocent victim and passenger in an Uber, Uber’s coverage only applies when the original insurance coverages are dealt with.
With Passenger In Vehicle
Uber has excellent coverage when the app is on and a passenger is being delivered to his vehicle.
Specifically, Uber has 1 Million in coverage when a passenger is in the vehicle of the Uber and being delivered to his or her destination.
This is 1 million in liability coverage and 1 million in Uninsured Motorist coverage.
In the vast majority of cases arising from Tampa Uber related auto accidents the 1 million dollars is considered plenty of coverage for injuries and pain and suffering.
We have a visual outlining Uber’s coverage below:
What Make a Taxi-cab Different Than a Typical Auto Accident Claim?
Taxi companies are similar to Uber and Lyft. They charge passengers a fare. They then keep most of the fare and give a cut to the taxi driver.
Taxi companies are required by Tampa regulations and Florida law to have 250K in body injury coverage. This insurance coverage protects innocent victims injured in tax related accidents.
That means even if the driver of the taxi caused the accident the taxi companies’ insurance will be in play.
Seems Like Pretty Big Coverages. Is That What My Case is Worth.
Think of the insurance policies as the maximum amount of coverage available in case of a taxi or uber wreck.
Of course, insurance companies and ride-sharing companies want to pay out as little as possible in auto injury claims.
Our Tampa Uber Auto Accident Lawyers fight with Uber and Lyft to secure as much as possible in a settlement or trial after your accident.
And the first step is to determine what your Uber accident injury claim is worth.
How do we do that?
Injury claims are made up of two parts. First, we need to determine who is responsible for the crash. If you are a taxi passenger, then you are going to be 100% not responsible. But if you were driving a vehicle and were side swiped by an Uber, it’s possible that you had some fault in the accident.
Second, we have to determine what your money damages are. Money damages include money for medical bills and lost wages. These are usually easy to quantity. Money damages also include money for pain, suffering, and general loss of quality of life. These are more difficult to quantify. In serious cases with permanent injuries it takes months before we can start to value the pain and suffering with an Uber accident.
Your claim is worth the total of your damages caused by another person, reduced to reflect your responsibility if any for your injuries.
So, What Types of Auto Injury Cases Apply To Uber/ Lyft Cases?
We see a wide variety of auto injuries associated with Uber and Lyft accidents in Tampa, including:
- Drunk Driving
- Driving and texting
- T-Bone Accident
- Rear End
- Head-on Collision
- Out of State Car Accident
- Tampa Motorcycle Accidents
I was a passenger in an Uber that Crashed. Do I Have a Ridesharing Insurance Claim?
If you are a passenger in an Uber that crashed, then you have a claim if you are injured as a result of the accident.
That means if you have taken a trip to a hospital you have a claim. If you went home but woke up sore and in pain the next day then you have a claim.
I was a Driving an Uber that crashed. Another driver was at-fault. Do I Have an Insurance Claim?
If you are a driver of an uber that crashed then you have a claim if you are injured as a result of the accident. Uber has sufficient coverage assuming your app was open to cover any injuries you have.
That means if you have taken a trip to a hospital or went home but woke up sore after the accident then you have an insurance claim.
I am Hurt After an Uber Accident. How Can a Tampa Auto Accident Attorney Help?
A Tampa Uber Auto Accident or Tampa Taxi Car Wreck Attorney Can Help with:
- Opening up a claim in your behalf.
- Investigating the crime scene to help show that you were not at fault and the accident was caused by another.
- Investigating to determine the safety rule violated by the negligent driver.
- Working with your Doctors and treatment providers to make sure they get paid after the accident.
- Working with economists or accountants to determine lost wage and economic damage claims.
- Learning your case and building your pain and suffering claim.
- Negotiating with insurance companies and ride-sharing companies to get maximum value for your case.
- Helping with property damage claims.
- Filing a lawsuit.
- Talking to witnesses and taking depositions of the witnesses and when needed the corporate representative of the ridesharing companies.
- Taking your case to a Jury trial when needed to win justice.