Your Rights After an Uber Accident in Minneapolis
Recently, the most well-known rideshare services (including Uber) have threatened to leave Minneapolis due to an ordinance demanding increased driver pay. However, the service remains in place for now.
While over 10,000 rideshare drivers provide services throughout the state, just one-third handle all the car requests. This means the most active drivers handle up to 70% of the trips.
This also means that many Uber drivers are fatigued, overworked, and may not fully adhere to the laws and rules in place.
Uber car accidents can happen due to many issues; however, when they occur, some injured parties do not know what rights they have to recover compensation. After all, with multiple parties and insurance companies involved, this can get confusing.
Working with a Minneapolis auto accident attorney is recommended if you are involved in an Uber accident. They can review the facts of the case and help you secure the compensation you deserve.
Steps to Take After a Minneapolis Uber Accident
The steps you take after an Uber accident can significantly impact the outcome of a claim. To protect yourself and your rights to compensation, keep the following in mind:
- Stay Safe: First, make sure you are safe. Move to a secure location if you can. Check if you or anyone else needs immediate medical help. Call 911 for emergencies.
- Call the Police: It’s important to call the police right after an accident. They will create a report. This document is key for any claims you might make later.
- Exchange Information: Swap contact and insurance details with the Uber driver and any other drivers involved. Get names, phone numbers, and policy numbers.
- Take Photos: Use your phone to take pictures. Capture damage to the vehicles, the surrounding area, and any injuries. Photos serve as evidence for your claim.
- Report to Uber: Inform Uber about the accident through their app. Reporting helps document the incident within the system.
- Seek Medical Attention: Even if you feel okay, see a doctor. Some injuries don’t show symptoms right away. A medical report also helps your case.
- Contact an Attorney: Consider talking to an attorney who handles Uber accident cases. They can guide you through the claim process and represent you if needed.
- Document Everything: Keep records of all documents and communications related to the accident. This includes medical bills, doctor’s notes, and any contact with Uber or insurance companies.
The Role of Insurance in Minneapolis Uber Accidents
Uber provides insurance for its drivers and passengers in Minneapolis. When an accident happens, the type of coverage depends on the driver’s status at the time.
If the Uber app is off, the driver’s personal insurance is what you look at. When the app is on and the driver is waiting for a ride request, Uber’s limited liability coverage kicks in. During a trip, Uber’s insurance offers more protection.
Insurance Coverage Details
Uber’s insurance during a trip includes $1 million of liability coverage. This means if you’re injured in an Uber accident, there’s a significant amount of money set aside for claims. There’s also uninsured or underinsured motorist coverage. This is important if another driver causes the accident and they don’t have enough insurance.
Filing a Claim After an Accident
To file a claim, you need to report the accident to Uber as soon as possible. You should also contact your insurance company to inform them of the accident. They can guide you on what steps to take next and how to proceed with filing your claim.
Dealing with Insurance Companies
Dealing with insurance after an Uber accident can be complicated. Insurance companies may try to minimize what they pay. It’s helpful to have a record of everything and to know what coverage applies. Sometimes, you might need to negotiate with multiple insurance companies.
When Insurance Isn’t Enough
There are times when insurance coverage might not cover all your expenses after an accident. Medical bills, lost wages, and other damages can add up. If insurance isn’t enough to cover these costs, you might need to seek legal help. A lawyer can push for more compensation, either from insurance or through a lawsuit if necessary.
Legal Assistance and Insurance Claims
Minneapolis auto accident attorneys who know about Uber accidents can be a big help. They can deal with insurance companies for you. They know how to get the most out of your claim. Lawyers can also help if you need to go to court to get the compensation you deserve.
Long-Term Considerations
After an Uber accident, think about long-term needs. Some injuries take a while to show up or to heal. Make sure your insurance claim or legal action considers future medical care, ongoing treatment costs, and any long-term impacts on your ability to work.
Understanding Your Rights After a Minneapolis Uber Accident
Uber accidents in Minneapolis are unfortunately common. They can have a significant impact on everyone involved.
Being prepared and knowing the correct steps to take immediately after the accident, including understanding your insurance coverage, is essential. Remember, your safety and health are paramount. Once you ensure that, navigating through insurance claims and considering legal advice becomes the next steps to securing your recovery and compensation.
If you are dealing with the aftermath of an Uber accident, contact a knowledgeable Minneapolis auto accident attorney for assistance.