You’re sitting in the back seat of an Uber, texting your friends to let them know you’re on your way to meet them at the restaurant for dinner on Honky Tonk Row.
Suddenly, the car is struck on its right side, and your phone goes flying. Things happen quickly, and you don’t really understand what happened to cause the crash. But after the collision, your arm is in severe pain.
What now?
Read on for the answers.
Evaluate Your Injuries
The first thing you should do is evaluate your injuries. Take a second to think about how you’re feeling and what is wrong.
Note: Not all injuries materialize right away. The symptoms of some injuries can take hours, days, or even weeks to identify. If you don’t feel injured immediately, give yourself some time before telling anyone you’re not hurt and see how you feel in a day or two.
Report the Accident
You don’t have to complete an Uber Accident Form, but you do need to use the help setting on the Uber app to make the report. Uber will contact you once you complete the report. You’ll likely also hear from Uber’s insurance company as they start their investigation of the wreck.
Auto Insurance
According to Uber’s policy, the company provides the following bodily injury auto insurance coverage for its drivers while they are delivering passengers:
- “$1,000,000 third-party liability Uninsured/underinsured motorist bodily injury”
- In Tennessee, the limits are:
- $25,000 liability coverage for bodily injury or death of one person in a crash that the driver caused
- $50,000 liability coverage for total bodily injury or death liability in a crash caused by the driver
- In Tennessee, the limits are:
However, keep in mind that a driver may carry more than just the coverages mentioned above. Tennessee law requires that all drivers have at least liability coverage, but most drivers purchase more than just that.
Even though Uber provides excellent coverage for passengers, its insurance company may argue that they shouldn’t be held liable for the crash for whatever reasons. They may try to deny the compensation you deserve.
That’s why if you’ve been injured in an accident while riding in an Uber or Lyft, it’s in your best interest to consult a legal professional right away. Don’t delay—contact us right away with your case.
Call our experienced Nashville team at Witherington Injury Law today at (615) 697-6503 for a free consultation.