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Ridesharing platforms such as Uber and Lyft offer a quick and reliable way to get around with the simple touch of a smartphone app. When you hail an Uber or Lyft using the companion app, you expect that you will reach your destination safely. You probably never anticipate being involved in an accident or even seriously injured in one. The unfortunate reality is that accidents can and do happen, causing many people to turn to the help of a Charlotte Uber accident lawyer.
What Are the Most Common Types of Uber and Lyft Accidents?
If you want to keep yourself and your passengers safe, it is important to know the most common types of accidents involving Uber and Lyft vehicles. Here are some of the most frequently reported accidents involving these vehicles:
T-Bone accidents usually happen since there are situations where rideshare drivers make illegal U-turns while trying to get to a passenger. Some Uber/Lyft drivers will randomly turn at sections of the road where such movements are unexpected. An oncoming vehicle may unexpectedly collide with the rideshare vehicle.
rear end collisions
Finding passengers in an unfamiliar area can be quite a challenge for rideshare drivers and stopping unexpectedly is something that happens quite frequently. In such a situation it is almost always the driver of the rideshare vehicle who is usually at fault.
side swipe collisions
If a vehicle is either driving or parked next to a rideshare vehicle, the possibility of a sideswipe accident happening is higher because of the numerous distractions that rideshare drivers have. Rideshare drivers can lose control of their vehicle whether they are scanning the sidewalks trying to pick up a passenger or they are looking at their phone to accept a new passenger since their focus is not completely on the road.
Who Can Be Found Liable in an Uber Accident?
Under North Carolina law, it is still possible to potentially recover compensation from anybody that contributes to your accident or injuries. Here are some of the parties that can be found liable in an Uber accident:
- The Uber Driver
- Uber Passengers
- Vehicle Manufacturers
- Truck Drivers
- Drivers of Other Vehicles on the Road
- Government Agencies
- Transit Companies
- Employers of Negligent Parties, and More.
How Are Uber Accident Cases Different from Regular Car Accident Cases?
Uber accident cases and regular car accident cases have a lot in common, but the one thing that separates them is insurance coverage. The typical driver owns about $15,000 in insurance. In contrast, Uber insures its drivers for $1 million, which is a significantly higher sum of money. Uber also takes care of uninsured drivers or motorists.
If there’s an accident and the Uber or Lyft driver isn’t at fault, both Uber and Lyft offer uninsured/underinsured cover that protects the driver, passenger, or both. If there’s an accident and the Uber or Lyft driver is at fault, both Uber and Lyft offer liability insurance to protect the rideshare passenger as well as the driver or passenger of any other vehicle hurt in the accident.
The important question, however, is who is at fault and that’s where the Charlotte uber accident lawyers at Harman Law can help. We can help you determine who is to blame for the Uber accident so that you can pursue compensation from them.
Does Uber Have a $1 Million Insurance Policy for Accidents?
Yes, Uber has a $1 Million insurance policy for accidents, but the company along with its passengers are covered using a 5-part insurance plan. The coverage applied based on the Uber driver’s activity at the time of the accident. The 5 parts of Uber’s insurance plan are:
It is where the Uber driver is not logged into the rideshare app. In such a situation the rideshare company (Uber) does not provide coverage.
No passenger but available
It is where the Uber driver is logged onto the app but has not accepted a request for a ride. The liability coverage in such a situation is up to $50,000 for every person injured in the accident. The total liability for each accident is $100,000. Uber also offers $25,000 in property damage liability.
Not Carrying a Passenger and Available
It is where the Uber driver has accepted a request for a ride and is currently on the way to pick up the passenger. Third-party liability in this case is up to $1 million.
Carrying a Passenger and Available
It is where the Uber driver has already picked up the passenger and is already on a ride. In such a situation, third-party liability coverage will be up to $1 million.
Uninsured / Underinsured Coverage
Uber also has a $1 million uninsured/underinsured motorist policy, which means that if your Uber accident is caused by an uninsured driver, Uber’s policy takes effect.
It is worth remembering that the $1 million coverage referred to here is the maximum amount of coverage and not a promised payout. The rideshare company’s insurance company will most likely seek to minimize the value of your claim or deny it altogether. That’s why you need to hire an experienced Uber attorney such as those at The Harman Law Firm to fight for fair compensation for you.
What Type of Compensation Can I Seek in an Uber Accident?
Each Uber accident case may be different, but a lawyer can recover compensation based on the different kinds of damages. Here are the types of compensation that our lawyers can seek in an Uber accident:
Economic damages are financial in nature, which means that they can be calculated. They include:
- Past, Current, and Future Medical Expenses
- Property or Vehicle Damage
- Loss of Wages
- Physical Therapy Expenses/Home Care Costs
- Reduced Earning Capacity, and more.
Non-Economic damages can be hard to quantify but can be calculated based on the pain and suffering that you or your loved ones endured following the accident. They include:
- Pain and Suffering
- Emotional Trauma
- Loss of Enjoyment of Life
- Loss of Consortium, and more.
If your loved one suffered a fatality in a rideshare accident, you may also be entitled to compensation in a wrongful death suit. Compensation in a wrongful death suit includes both funeral and burial costs in addition to emotional damages, lost income, medical bills, and more.
Should I Just Accept a Settlement Offer?
You must never accept a settlement offer immediately after the accident. Insurance adjusters often try to limit payouts by making quick settlements almost immediately after the accident. The problem is that once you accept that settlement, you will find it almost impossible to ever recover additional compensation. If you accept compensation that does not cover all your losses and expenses, you may find yourself stuck with that decision forever.
Are there Time Limits for Filing an Uber Accident Claim?
If you would like to file an Uber accident claim in Charlotte, North Carolina, you have 3 years from the date of the accident to bring a lawsuit against the at-fault party. Once the 3-year statute of limitations lapses, it is highly unlikely that a court will ever again allow you to bring suit and hear your case.
Call a Charlotte Uber Accident Lawyer Before it’s too Late
If you have been injured after being hit by an Uber while driving, while riding in an Uber, or being hit by an Uber after an accident with another driver, contact the experienced Charlotte personal injury lawyers at Harman Law.