Uber became available all across Alabama on July 1, 2018, after being available only in some cities. This means more and more drivers will be picking up and dropping off passengers all across the state. This makes it more likely that you will get into an accident with an Uber driver. You may assume that these drivers work for Uber and the company will compensate you for injuries or property damage. However, it’s not that simple and it can be difficult to get compensation. If you get into an accident with an Uber driver, you need to contact an attorney.
Uber drivers are independent contractors and not employees of Uber. They are required to have third-party insurance which covers property damage and physical injuries. In Alabama, all drivers are required to have at least:
Uber also has a much-touted $1 million insurance policy. However, it only applies if the driver logged into the Uber app and carrying a passenger. Between rides, drivers are covered for bodily injury up to $50,000 per individual per accident. This is up to a maximum of $100,000 per accident and up to $25,000 for property damage. However, it can be difficult for accident victims to recover their costs. Uber will do its best to deny liability.
If the driver is not logged into the app, they are only covered by personal insurance. You will have to file a claim with the driver’s insurance company to get compensation for injuries or vehicle damage. If the driver is uninsured or underinsured, you could face a significant challenge in recovering damages. It’s highly unlikely they will be able to pay you out of pocket.
Uber accidents can be tricky because of the insurance gap mentioned above. However, it’s possible to get compensation. You need an attorney who knows the law and who is willing to fight on your behalf. It could be a lengthy process, so you need someone committed to the task. However, in the aftermath of the accident, you should act in the same way you would after any other accident.
Let an Alabama Uber accident lawyer at the Vance Law Firm handle your case. While Uber is relatively new to the state, we have lots of experience in dealing with insurance companies and big corporations. We know all the tactics they use to try to get out of paying damages. Contact us today and we will put our negotiation skills to use on your behalf. If you need to file a lawsuit, we will be by your side every step of the way. Call us to schedule your consultation.