While all car crashes can result in chaos, seeking compensation after accidents involving Uber and other rideshare vehicles can be particularly difficult. You might not know where to turn to get the financial assistance you need to pay your medical bills and other expenses resulting from the crash. Due to the different insurance policy requirements for Uber drivers in Boca Raton, it can be challenging to get your rightful compensation. Rideshare drivers and companies must both carry insurance; however, determining who is liable can be challenging.
Fortunately, Your Damage Lawyer has successfully helped many people recover the compensation they deserve after suffering injuries in Uber accidents. Our attorneys can leverage their experience to help you navigate this challenging time.
According to Florida Statutes § 627.748, rideshare drivers must carry personal insurance to cover them in the event of an accident. Some insurance companies exclude rideshare activities from their coverage. If a rideshare driver is involved in an accident, the insurance will not pay out because operating the vehicle as a rideshare violates the terms of their policy’s coverage. However, many insurance companies offer additional coverage that Uber drivers can purchase via commercial or rideshare-specific endorsements.
Our skilled attorneys can carefully review the terms of the Uber driver’s insurance policy to determine the type of coverage they have and whether it will fully cover the costs of your losses from the Boca Raton accident.
In addition to requiring Uber drivers to carry sufficient personal insurance, Florida law also mandates that Uber carry insurance to cover the costs of the accident. However, obtaining coverage under Uber’s company insurance policies is not always possible and does not always protect people injured in accidents with Boca Raton rideshare drivers. Uber and other rideshare companies provide insurance coverage depending on what the Uber driver was doing at the time of the crash.
If a rideshare driver was not logged into their Uber app at the time of an accident, a court would consider them to be just another motorist, even if they have an Uber sticker on the back of their vehicle. If an accident occurs while the motorist is offline and simply driving their vehicle home or running an errand, the only source of coverage would be the driver’s personal insurance policy.
If the driver was logged into the rideshare app and waiting to accept a request from a prospective rider, limited coverage from the company applies. Uber must cover $50,000 per person for bodily injury or death, $100,000 per incident for bodily injury or death, and $25,000 for property damage. If the accident costs exceed those amounts, Uber is not responsible.
If the Uber driver was performing a prearranged ride, Uber is responsible for full coverage, which begins when the driver accepts the ride request and ends when the driver drops the rider off at their prearranged destination. Uber must provide up to $1 million in liability coverage and also offer underinsured and uninsured motorist policy coverage.
Your Damage Lawyer can investigate your crash to determine what insurance policy requirements apply to your situation and help you pursue the maximum possible compensation.
If you are considering pursuing legal action after your crash, you need to work with an attorney who has extensive knowledge of insurance policy requirements for Uber drivers in Boca Raton.
Your Damage Lawyer is always by your side. Contact us to discuss the details of your accident—we can help you seek the compensation you deserve.
