Founded in 2009, Uber has quickly become the leading rideshare company. Nearly 10 years after Uber was founded, Uber provides rideshare services in over 450 cities throughout 70 countries. Over the years, Uber drivers and passengers have been involved in many auto accidents that result in injuries. Uber is known to carry a one million dollar policy that could apply to their drivers and passengers in case of auto accidents. However, Uber has recently made a program available for Uber drivers; the program is similar to a workers’ compensation program.
Are you an Uber driver with questions about Uber injury protection? Were you recently involved in an accident while you were driving for Uber? Regardless of your current situation, you might benefit from meeting with a lawyer and discussing the possibility of filing a claim against Uber’s Driver Injury Protection program.
Contact Normandie Law Firm as soon as possible. Normandie Law Firm is a personal injury law firm dedicated to representing those who have been harmed in Uber accidents. If you would like to explore the possibility of benefiting from Uber’s Driver Injury Protection Insurance, do not hesitate to contact our law firm as soon as possible.
Uber and Auto Accidents
With the increase of Uber’s popularity, it appears that the instances of Uber auto accidents have also increased. With more Uber drivers on the road, it makes sense that Uber accidents are common. Why do Uber accidents happen? There is no particular reason that leads to Uber accidents—the causes of Uber accidents are similar to any other car accident. These accidents usually occur because of the negligent actions of drivers. Examples of negligent actions that could lead to accidents include the following: driving under the influence of drugs or alcohol; using mobile devices while driving; ignoring traffic signals; speeding; weaving in and out of traffic. Auto accidents—including Uber auto accidents—can happen at any time. It does not matter if you are the safest driver with the best driving record; you could be involved in a car accident at any time.
What could you do if you were involved in an Uber accident? For a long time, victims of Uber accidents depended on their own personal insurance policies or the liable party’s personal insurance policy to collect compensation. In some cases, Uber’s one million dollar insurance policy applied. However, the coverage available to Uber drivers has always been limited—leaving much to be desired.
About Uber Driver Injury Protection
Uber Driver Injury Protection—how does it work? The Uber Driver Injury Protection program is an optional insurance program that is available for Uber partners (drivers) for less than 4 cents ($0.0375) per mile. How does Uber injury Protection work? While you are driving for Uber, you will be charged the $0.0375 cents per mile for this coverage. This coverage is optional. If you do not want to pay for the coverage, you can opt-out. The Driver Injury Protection program offered by Uber is designed to reduce the financial impact that an unexpected accident while on-the-job could have on you and your family. Coverage applies in case of injuries whenever the driver is online (on the way to pick up a passenger or on a ride with a passenger).
The Coverage Offered by Uber Driver Injury Protection
What are the benefits covered by Uber Injury Protection? There are many benefits of Uber Driver Injury Protection, some of which are discussed below:
- $1,000,000 maximum for Accident Medical Expense—includes coverage for medical evaluation, inpatient hospital stays, ICU stays, all hotel services, prescription medications, lab tests, ambulance transport, medical equipment, in-home care, etc.
- $500 a week for Temporary Total Disability—includes a disability payment of a weekly maximum of $500 for up to 2 years.
- $500 a week for Continuous Total Disability—includes a disability payment of a weekly maximum of $500 for up to 5 years or until age 70 (whichever comes first). This benefit applies after the time receiving temporary disability expires and if you are still unable to work.
- $50,000 maximum for Accidental Death—includes coverage of up to $50,000 if the accident results in death.
- $150,000 maximum for Survivor Benefits—includes coverage of up to $1,500 a month (with a total maximum of $150,000) for a surviving spouse or the victim’s surviving children.
- $200,000 maximum for Accidental Dismemberment—includes coverage of up to $2,000 a month (with a total maximum of $200,000) for the loss of specific body parts.
Should I sign up for Uber Injury Protection? Should I get Uber Driver Injury Protection? At less than 4 cents per mile, signing up for the insurance program seems like a no-brainer. Doing so provides you and your family with a financial safeguard in the case that you are involved in an auto accident while driving for Uber.
The Injuries Covered by Uber’s Driver Protection Program
What types of injuries are covered by Uber Injury Protection? The injuries that are covered by Uber Injury protection include most of the injuries that could be suffered as a result of auto accidents. Some of these injuries include head injuries, brain injuries, neck injuries, back injuries, hip injuries, shoulder injuries, spinal cord injuries, broken bones, severed limbs, and lacerations, for example. If you would like clarification about the specific injuries covered by the protection program, discuss your concerns with an Uber representative as soon as possible.
Pros and Cons of Uber’s Driver Injury Protection
What are the pros and cons of Uber Driver Injury protection? Without a doubt, there are many positive attributes to the program; however, there might also be some negative aspects that make you believe that the program is not a fit for you. Consider the points mentioned below.
Pros:
- You will have access to disability insurance
- Your medical expenses will be covered
- Your family will be covered if your accident results in death.
- You will have coverage at a cost of only $0.0375 cents per mile.
- You will not have to worry about having to pay any expensive deductibles.
Cons:
- You will only be covered if your accident occurs while you are driving for Uber.
- You and your family will only be compensated up to the total amounts predetermined by the program (what you could receive is limited).
If you are unsure of whether you should sign up for the program, you should evaluate the points above. You should also discuss your concerns with an Uber representative. If you are already enrolled in the program and suffered an accident, do not hesitate to seek legal assistance.
Uber’s Standard Insurance versus the Driver Protection Program
The Driver Protection Program should not be confused with Uber’s standard insurance coverage available through James River insurance company. Uber’s standard coverage includes $1 million in liability coverage and underinsured/uninsured coverage, for example. However, this coverage focuses on covering the damages caused directly by the accident—it does not address any long-term problems. Uber’s Driver Protection Program is more focused on long-term coverage, as could be seen by the disability options and survivor benefits, for instance. Another difference is that the Driver Protection Program is not contingent on another insurance coverage such as Uber’s Standard coverage.
Signing Up for Uber’s Driver Injury Protection
How can an Uber driver sign up for Uber Driver Injury Protection? How to sign up for Uber Driver Injury Protection? Uber drivers can sign up for the injury protection program at any time. You could enroll online at https://driverinjuryprotection.uber.com/. Signing up is simple and straightforward—all you need if your account. For more information in regards to how to sign up for Uber Driver Injury Protection, refer to Uber.
Filing a Claim
If I was in an accident, how can I report my accident to Uber Driver Injury Protection? How can I get compensated by Uber Driver Injury Protection for an accident? How can an Uber driver who is in an accident file a work injury claim with Uber Driver Injury Protection? Where can I open a claim with Uber Driver Injury Protection? How do I file a disability claim with Uber Driver Injury Protection? Can I file a work injury claim with Uber Driver Injury Protection? If you are an Uber driver that was recently involved in an accident while driving for Uber, it is likely that you have some of the questions above.
You can start a claim with Uber Driver Injury Protection by reporting your accident to Uber. Through your Uber mobile application, you could report the incident. Within a few hours or a few days, an Uber representative will contact you to help you with the process of filing your claim.
In many cases, it is necessary to hire an attorney. Although you might believe that you are entitled to the benefits that you are paying for, your request for benefits is subject to approval. In other words, your claim could be denied or you could receive much less than what you deserve. If you are interested in filing a claim after an Uber accident, we recommend that you seek legal assistance for information about how to file an accident claim with Uber Driver Injury Protection.
Normandie Law Firm
The Uber accident lawyers at Normandie Law Firm are ready to fight for your right to recover the compensation that you deserve. After your Uber accident, you were likely left with questions regarding how to file a claim with Uber Driver Injury Protection. You can file an injury claim with Uber Injury Protection, and our attorneys are ready to help you in every step of the way. If you would like our lawyers to guide you throughout this process, do not hesitate to contact our law firm. Our firm offers free consultations and free second opinions as part of our Zero-Fee guarantee; you will also never be required to pay legal expenses until you are rightfully compensated because of our contingency status. Do not hesitate—you must contact our law firm as soon as possible.
More Information on Uber Accidents
What to Do After an Uber Accident
How to File an Accident Report with Uber
How to Increase the Settlement Offer of an Uber Accident Case
Uber & Lyft Auto Accident Attorneys — Everything You Need to Know About Uber/Lyft Lawsuits
