Using rideshare services like Uber is a great option if you plan on drinking while you’re out or if you want to avoid hefty parking fees. Although riding in an Uber can prevent you from causing accidents on the road, Uber drivers may get in wrecks if they’re driving negligently or if they collide with someone else on the road who’s driving negligently. Uber accidents can also occur because of unexpected reasons like roadway hazards, bad weather, and car malfunctions. 

When you get injured in an Uber accident as a passenger, you deserve compensation for your injuries. Knowing how to obtain a settlement after an Uber accident, however, can be complex. Christensen Law, a personal injury firm in Detroit, explains that Uber may cover your medical expenses and lost wages with their insurance policy. If Uber won’t cover you, then you may need to take legal action.

Coverage Provided by Uber

Uber provides extensive insurance coverage for both drivers and passengers. Drivers must carry their own car insurance for when they aren’t using the rideshare service; however, when a driver has the app turned on and is driving to pick up a passenger, Uber offers coverage of $50,000 per person injured in an accident, $100,000 total injury liability per accident, and $25,000 for property damage. When an Uber driver has a passenger in the vehicle, Uber offers $1 million in coverage.

If a Third Party Caused Your Wreck

Uber may not provide coverage for a passenger if the Uber driver isn’t at fault for causing the accident. If a third party, such as the colliding driver, a car manufacturer, or a government entity, causes the accident, then you may need to sue the responsible party. Hiring an experienced attorney can be helpful if you need to take legal action because you’ll need evidence from your case to prove negligence.

Even though it’s clear that you weren’t at fault because you were the passenger, the judge and jury will require proof of who’s at fault for your wreck if you hope to recover compensation for your damages. The benefit of filing a lawsuit as opposed to obtaining a settlement from Uber’s insurance policy is that you can receive money for both economic and non-economic damages.

As a passenger in an Uber accident, you deserve justice for the injuries you’ve suffered. You shouldn’t give up on fighting for what you deserve even if the claims process requires more time and effort than you originally thought it would.