James River Insurance Company (JRIC) is one of the lesser known insurance companies, but recently, it has been put into the spotlight due to its coverage of Uber, the rideshare company. It is now responsible for paying out dozens of claims for Uber drivers, Uber passengers, and third parties alike. As a result, it employs hundreds of insurance agents responsible for handling these claims. These insurance agents routinely throw claims out and will deny others, simply because of how important it is to retain profits. As such, it can be difficult and times impossible to receive the settlement you deserve from James River Insurance and Uber. Thus, you need a law firm with experience in cases against James River insurance, and our Los Angeles legal group, Normandie Law Firm, is here to help. We have years behind us of filing claims against the company and know the best paths to take to ensure that you get fair coverage for your damages.
Uber’s Insurance Company
Uber is covered by the James River Insurance Company of Richmond, VA. Initially, Uber did not offer any insurance coverage for its drivers and customers. It said that because the drivers are independent contractors, they are responsible for their own accidents and injuries. However, private insurance policies do not cover any accidents and damages that happen while driving commercially. After a tragic crash left a young girl dead, laws were passed that mandated Uber to provide its drivers with adequate insurance. It thus selected James River.
You can file a claim with James River Insurance if you were involved in an Uber accident of any kind. For example:
- Uber drivers can file claims if they were behind the wheel when someone hit their car. They may have been rear-ended by another car, sideswiped, or cut off, leading to a crash. They must be able to show that they were not at fault. They could also be covered for underinsured and uninsured motorists.
- Uber passengers can file lawsuits if they were hurt in any accidents. They may be able to file a claim against James River and Uber if the driver were not safe, or if he was not supposed to be driving. Uber must make sure that it only hires drivers with clean records who pass background checks, and if it’s shown that the driver had a suspended license or no insurance, for example, that could be grounds for a claim.
- Third-parties could file a claim against James River if an Uber driver hit them. They may have been traveling along when an Uber driver suddenly ran a red light or a stop sign and caused a crash. As a result, Uber could be held responsible for the actions of its driver, and James River could pay the settlement.
Uber has an insurance policy that operates in phases. The first phase is active for drivers only; they are covered for up to $50,000 for any collisions and liability if they only had the app on and were waiting for customers. Once a ride has been accepted and the driver was en route to the passenger, the policy increases to $1,000,000, and it also covers the passenger when he enters the car. This carries through the conclusion of the ride, at which point the policy reverts to the $50,000 limit.
Further, Uber has $1,000,000 policies for uninsured and underinsured motorist coverage.
It is important to note that when the app is off, the driver falls back on his own personal insurance policy.
For more details, call an attorney who is experienced in James River accident claims. We can help you understand the nuances of the law if you intend on filing a claim with James River.
Injuries in Uber Accidents
James River Insurance is likely to throw your claim out if you suffered injuries in a crash. For example, you could have suffered any of the following damages:
- Broken bones
- Nerve damage
- Torn muscle
- Dislocations
- Sprains
- Fractures
- Concussions
- Traumatic brain injuries
- Neck and spinal cord injuries
- Closed head injuries
- Internal organ damage
- Leg and knee injuries
- Severed limbs
- Paralysis
- Coma
- Death
The extent of your injuries will determine the value of your case. A lawyer experienced in injury lawsuits against James River will be able to prove that your injuries were severe and that you deserve the maximum compensation. You may have months of medical treatment ahead of you and incurable emotional traumas that deserve payment, and our law firm with expertise in James River insurance injury lawsuits will gladly assist you.
Worth of Your Case
In order to understand how much you can earn for a claim, you must understand how insurance agents weigh injuries. The more extensive your damage and the more severe the harm, the more likely it is that your settlement will be a large amount of money. You could have been paralyzed and unable to complete your job duties, which would be grounds for a large settlement. If you were not severely hurt and instead only barely wounded, you would likely not be given a sizeable settlement. The insurance agent will consider your career, future career opportunities, daily life, and medical bills when evaluating the worth of your case.
If you want to see what other lawsuits have resulted in, read below. We have provided various verdicts and settlements that showcase what you could earn from being involved in a car accident. With the help of a skilled Los Angeles attorney who has a lot of experience handling cases against James River, you could earn the maximum compensation available. Be aware that these are merely sample cases and do not indicate what your case is worth, even if you have similar circumstances.
- $928,000 Verdict: A woman was on her way to work when she was proceeding through an intersection wherein she had the green light. Another driver was not paying attention while stopped at a red light; upon hearing a beep, she thought that she was stalling at the green, and accelerated into the intersection, where she T-boned the woman. The victim suffered various damages to her knee and ankles.
- $660,000 Verdict: A pedestrian was on his way crossing the road when another driver did not yield for him. The driver was revealed to have been texting during the accident. The victim suffered extensive damage to her knee and leg, resulting in numerous surgeries and months of physical therapy.
- $160,000 Settlement: A man in a sedan was hit by a pickup truck. The pickup truck driver was on his phone when he crashed into the car. The victim suffered head injuries that required numerous surgeries, as well as soft tissue damage to her knee. She needed multiple treatments to be able to walk comfortably thereafter.
- $125,000 Verdict: A passenger in a car was gravely injured when the vehicle was rear-ended by another car. There was an altercation afterward, but the victim was transported to the hospital. It was revealed that he had numerous disc injuries. The defendant claimed that the disc injuries were present prior to the accident and that the crash did not harm him at all.
Uber Accident Injury Compensation
A lawyer who can sue James River for an accident causing injury can see to it that you receive the amount of compensation you deserve for your injuries. We will try to bring you coverage for the following damages:
- Medical expenses from the past and future, including surgery costs, physical therapy costs, hospitalization fees, and more
- Lost income from days of missed work, as well as future missed wages from time spent recovering from injuries
- Property damage to your car or belongings that were lost or in need of repair from the accident
- Pain and suffering damages for PTSD, emotional scarring, trauma, psychological stress, fear, anxiety, and more
- Wrongful death expenses if a loved on passed away in the crash, such as funeral expenses, pre-death medical bills and pain and suffering, loss of expected earnings and inheritance, and more
- Punitive damages if the defendant acted in gross negligence or with an intent to cause harm, which could result in copious amounts of monetary damages; however, these damages are hard to win, and only a skilled lawyer that has experience in injury cases against James River will be capable of winning them for you, as many courts view them as excessive
Don’t let your debts stack and build up. Call our law firm that has expertise in James River insurance injury cases for more help.
Normandie Law Firm: The Top-Rated Firm in Los Angeles
An accident with Uber will result in you having to file a claim with their insurance company, and as a result, you need a law firm experienced in cases against James River insurance. One of our Los Angeles lawyers with experience in James River injury lawsuits will gladly handle your case and will not stop pursuing your compensation until you are given what you rightfully deserve. Our aggressive attorneys will constantly be on top of your case, and if we need to go to court to make sure James River pays out your claim, we will do so.
Call us today to set up a free legal consultation with a James River injury attorney. You can ask us any questions about your case and we will give you free legal advice. If you already have an attorney, we’ll give you a second opinion on whether he’s acting in your best interests and if your case is worth more than he is claiming.
If you select us to represent you, we’ll also give you our zero fee guarantee, which states that you will not pay for our services throughout the legal process. We will get paid only if we win your case, and the fees will come out of the settlement we bring you. If we lose, we eat the costs ourselves, and you will be debt-free to our firm.
Get in touch with Normandie Law Firm today to speak to one of our lawyers experienced in injury lawsuits against James River insurance.
