The rise in popularity of rideshare apps like Uber and Lyft has unfortunately also seen an increase in associated accidents. Navigating the complexities of securing compensation in the aftermath of an Uber or Lyft accident can be an uphill battle without experienced legal assistance. The nuances and intricacies of these cases are well understood by personal injury attorneys in North Carolina. This article aims to shed light on the invaluable role such an attorney plays in handling an Uber or Lyft accident claim, making the process less daunting and ensuring victims receive the compensation they deserve.
Uber and Lyft’s Insurance Coverage
Uber and Lyft maintain commercial insurance policies that cover both drivers and passengers in the event of an accident. However, the coverage depends heavily on the driver’s status at the time of the incident. Essentially, the policy is divided into four parts: when the app is off, when the driver is available and/or waiting for a ride request, when the driver is enroute to pick up a passenger and when a passenger is in the vehicle.
When the app is off, Uber and Lyft’s insurance does not apply. The driver’s personal insurance coverage is the primary source of potential compensation in the event of an accident. If the driver is available or waiting for a ride request, there is contingent liability coverage, generally up to $50,000 per person for bodily injury, $100,000 total per accident, and $25,000 for property damage. However, this only comes into play if the driver’s personal insurance doesn’t cover the loss.
The highest level of coverage occurs when a trip is accepted, and the driver is en route to the passenger, or when the passenger is in the vehicle. During this period, Uber maintains a $1 million liability coverage policy, uninsured/underinsured motorist bodily injury policy, and contingent comprehensive and collision coverage. Understanding the application of these various insurance layers can be challenging, hence the need for experienced legal assistance.
Role of an Attorney in an Uber Accident Claim
An attorney plays a critical role in handling Uber accident claims. One of the primary roles is determining fault or liability. Given the complexity of Uber’s insurance policy and the potential for multiple parties to be involved in the accident, ascertaining who is responsible for damages can be a complex process. An experienced attorney can help to meticulously analyze the evidence, consult with experts if needed, and establish fault accurately.
Additionally, a personal injury attorney assists in effectively negotiating with insurance companies. These companies often employ tactics to minimize payouts or deny claims, and having a skilled attorney can level the playing field. They have the expertise to counter lowball offers and can effectively advocate for a fair and comprehensive settlement that truly covers the extent of the client’s injuries and damages.
Finally, an attorney can take your case to court if a fair settlement cannot be reached. While most cases are settled out of court, sometimes litigation is necessary. An experienced attorney will be able to build a strong case, represent your interests in court, and guide you through each step of the litigation process. The presence of an attorney signals to the other parties involved that you are serious about receiving the compensation you deserve.
How a Personal Injury Attorney Can Strengthen Your Uber Accident Claim
A personal injury attorney has the skills and experience to significantly strengthen an Uber accident claim. One of the key ways they do this is by ensuring that all necessary evidence is collected, preserved, and appropriately used. Evidence may include medical records, police reports, witness statements, and data from the Uber app. They may also consult with experts, such as accident reconstructionists or medical professionals, to provide further support to the claim.
Moreover, an attorney’s expertise is vital in accurately quantifying damages. A layperson may undervalue their claim by only considering obvious expenses like medical bills. An experienced attorney, however, will consider all forms of damages, including lost wages, future medical expenses, pain and suffering, loss of enjoyment of life, and others. This comprehensive approach helps to ensure that the victim is adequately compensated for all the losses they have suffered as a result of the accident.
Bradford Law Will Advocate for You When You Have an Uber Accident Claim
An experienced personal injury attorney can provide invaluable help when you have an Uber accident claim, from understanding Uber’s insurance policy to collecting evidence, determining damages, and effectively negotiating with insurance companies. At Bradford Law, our local expertise in these types of cases can enhance your claim’s prospects. If you’ve been involved in an Uber accident in North Carolina, don’t hesitate to reach out to Bradford Law. Our dedicated and knowledgeable team is ready to fight for your rights and ensure you receive the compensation you rightly deserve.