How to Pay Your Bills After an Uber Accident
Being injured in an accident when someone else was at fault entitles you to compensation from the at-fault party. If that happens to be an Uber driver, your rights are the same. You may wonder where to file your claim, and you might wonder how to get your bills paid in the meantime. The good news is there are some solutions.
Where to File the Claim
If the Uber driver is the at-fault party, there could be a couple of different options for filing your claim. The first is with the driver’s personal auto insurance, and the second is with the Uber company’s insurance provider. How do you know where to turn? Check it out!
- If the driver is totally off the clock, Uber does not provide any coverage. This would be a situation in which the driver is not logged into the app, and is using the car for personal use. You would file your claim with the personal insurance company of the Uber driver.
- If the driver is logged in, just waiting for a ride request, Uber does have a limited amount of liability coverage. This includes $100,000 injury per accident, $50,000 injury per person and $25,000 property damage.
- If the driver is en route to pick up a passenger for which he or she has accepted a ride request, Uber provides $1,000,000 liability coverage.
- If the passenger has been picked up, there is additional limited coverage added including damage and uninsured motorist. This coverage ends when the passenger is dropped off.
What to Do in the Meantime
If your case is getting complicated, or there are some questions as to who is at fault, you’ll need to find a way to pay your medical bills until you are given that compensation by the insurance company. There are a few ways you can go about doing this. You might speak with your health insurance provider to see what type of coverage you can use there. It’s possible the provider will want reimbursement after you receive your settlement, so be sure you keep track of every medical bill.
You could also lean on PIP, which is a portion of your own auto insurance coverage. This typically caps out at a certain amount, often $3,000. Once you reach that amount, PIP coverage ends and you’ll need to pay for your bills another way.
Getting the Assistance of an Attorney
When you’re in a car accident, it can get tricky paying for your medical bills. If Uber was involved in your accident, and the driver was determined to be at-fault, contact an attorney, to assist you in getting the compensation you deserve.