In the dynamic city of Fresno, where the convenience of ride-sharing services like Uber is a part of daily life, accidents involving such platforms can have significant repercussions. If you ever find yourself in the aftermath of an Uber-related accident in Fresno, navigating the complexities of filing a claim and understanding insurance coverage becomes crucial. This blog post aims to unravel the specific steps to take following an accident with an Uber driver, offering valuable insights for Fresno residents who may be passengers, pedestrians, or other drivers affected by such incidents.

For those in Fresno seeking guidance after an Uber accident, it’s imperative to consider consulting an Uber accident attorney. Understanding your rights and exploring the available options in such situations necessitates the expertise of legal professionals specializing in personal injury cases related to Uber accidents.

uber accidents and insurance claims

Insurance Coverage: Important Details

You should know that Uber provides insurance coverage to safeguard passengers and others involved in accidents caused by their drivers. This coverage becomes applicable when the driver’s personal insurance doesn’t apply. Both riders and drivers need to have an understanding of how these insurance policies function.

Step 1: Prioritize Safety

In the event that you are involved in an accident with an Uber vehicle, your top priority must be ensuring everyone’s safety. Check if anyone requires attention and contact emergency services if necessary. If feasible, move to a location away from traffic.

Step 2: Gather Information

Once you’ve ensured the safety of everyone involved, it’s important to collect all the details about the accident:

  • Make a note of the date, time, and location where the incident took place.
  • Obtain names and contact information for all individuals involved, including any witnesses. 
  • Jot down the license plate numbers of all vehicles in the accident.
  • If it is safe, do capture photographs or videos of the scene as evidence.

Having this information will be crucial when filing a claim with your insurance company or Uber’s insurance provider.

Step 3: Report the Accident

To ensure documentation, it is advisable to report the accident. If you were an Uber passenger during the incident, it is best to let your driver handle this responsibility whenever possible. However, if you are not using Uber but still have an accident involving one of their vehicles (for example, as a pedestrian), make sure to contact Uber support and local law enforcement authorities to report what happened.

Step 4: Understand Insurance Coverage

The coverage provided by Uber’s insurance depends on whether or not the driver had their app turned on at the time of the accident:

  1. Uber App is Off: If an Uber driver’s app was turned off when the accident occurred, their personal insurance policy will apply. When situations like these arise, Uber is not held responsible. It is recommended that you file a claim either with your insurance provider or with the driver’s insurer if they were at fault.
  1. Uber App is On No Passenger in Vehicle: If the Uber driver had the app turned on but no passenger was present at the time of the accident, Uber’s supplemental liability coverage comes into effect. This coverage provides:
  •  $50,000 for injury per person
  •  $100,000 bodily injury per accident
  •  $25,000 for property damage per accident
  1. Uber App is On, Passenger in Vehicle: In case of an accident during a trip with a passenger in the vehicle, Uber’s commercial insurance policy offers coverage for injury and property damage. 

Step 5: Filing a Claim

To ensure a claims process when dealing with Uber’s insurance coverage¸ it is advisable to follow these steps:

  1. To ensure a claims process after an incident, it’s important to report the incident to Uber within three days by either calling or emailing them. 
  2. Make sure to provide all information, including trip details and any supporting documents you may have collected. 
  3. Throughout their investigation, cooperate fully with Uber. If needed, seek guidance from a lawyer who has experience handling rideshare accidents. Remember that resolving cases may take time, so it’s important to be patient.
  4. Transparency plays a crucial role in expediting the claims process. By sharing comprehensive details, you can help speed up the resolution.

In conclusion, while being involved in an accident during an Uber trip can be stressful, understanding the claims process and your rights can help alleviate some of that burden. Prioritize your safety at all times, gather as much information as possible, report the accident promptly, and familiarize yourself with Uber’s insurance coverage levels. If you’re unsure or dealing with circumstances, it’s always wise to seek advice from a lawyer experienced in rideshare accidents. We hope this guide has provided you with an understanding of what to expect if you ever find yourself in such a situation.