Posted on October 6, 2017 |
by Bradley Dworkin
Sometimes flagging down a cab is difficult and can take time. If it’s cold out, who wants to wait at cross streets trying to catch a ride while they freeze? That’s why Uber has been such a success in Chicago. Requesting a ride and then waiting in the comfort of your home, or inside a warm restaurant, is extremely convenient. The good outweighs the bad, but have you ever wondered what would happen if you got hurt in an accident while taking an Uber? Who is responsible? The Driver? Uber? Who pays your medical bills?
While Uber drivers are labeled as independent contractors, if you were in an accident with an Uber driver while performing Uber work duties, you are more than likely covered under Uber’s insurance policy. The policy covers passengers and drivers alike with a $1 Million policy, and even in the case of an accident with an underinsured or uninsured driver at-fault, the Uber policy still covers its drivers and passengers.
Sounds pretty great right? So what’s the catch?
If an accident were to occur and you, as a passenger, incurred catastrophic injuries that exceeded the million dollar policy, Uber could cite that the driver is categorized as an independent contractor, making them not liable for the actions of the driver. If this occurred, an injured passenger could be hard pressed to make a case against Uber to request more money. Even so, the injured passenger should have their case evaluated by a personal attorney.
At the end of the day Uber’s policy, while substantial, is still held by an insurance company whose job it is to limit liability. This means that the insurance company will try to grant the injured as little as possible by suggesting an injury may be lesser than it is, or place some of the liability on the victim or another party. In this circumstance, it’s also advised for the injured to seek the help of a personal injury attorney. Doing so could be the difference of thousands of dollars out of pocket!
For more information or to have your own case evaluated, please contact us today at 888-979-2070.