Uber ensures insurance coverage in the unfortunate event of a car crash. Insurance covers a lot of ground, including your medical bills, destroyed property, lost wages, and pain and suffering. If everything goes right, the insurance company and Uber will pay for all economic and non-economic losses you've incurred because of the accident.
That said, you might run into a few problems. Either the insurance company or Uber refuses to cover your expenses, or they decide to lowball you.
Let's look at the very real instances of when it's better to sue, as experienced by our prescreened Rideshare Accident Attorneys in California:
Filing Personal Injury Claims Against Uber In California
There are a lot of considerations people make before they sue rideshare companies like Uber (or any company, for that matter).
Why Insurance Coverage In Rideshare Accidents Is Important In California
If everything goes well, getting an insurance payout is one of the fastest ways to get compensation for the losses you've suffered. For big rideshare companies like Uber, it is a must.
However, there could be instances where you don't get the compensation you are rightfully entitled to.
When Should You Sue For Uber Car Crash Accidents In California
As mentioned, you might face challenges along the way. Hiring a California Uber Accident Attorney might be the best option when faced with these hurdles.
When You Have Significant Or Severe Injuries
Hospital costs can easily reach hundreds of thousands of dollars. It's not impossible that, in some circumstances, the financial expenses related to an Uber accident could be greater than the maximum Uber's insurance policy will pay out.
If that's the case, the passenger might file a lawsuit against the Uber driver to obtain a judgment that exceeds the policy's maximum payout.
Generally speaking, suing an Uber or Lyft driver won't net you any more money than suing the company directly. This is because an Uber driver is one person and won't be able to pay you if your claim is worth millions. Hence, going after Uber, especially if they've been in some ways negligent, is the better option.
That said, establishing liability is crucial. You need evidence and a solid case for it. So, contact a prescreened California personal injury lawyer to help you.
If Your Uber Driver Was Working Off-The-Clock
The financial costs of accidents that occur during collisions when the driver's Uber app is not open and active are not covered by Uber's insurance policy.
When this happens, the off-the-clock Uber driver is liable for injuries you suffer. If they or their insurance company refuses to compensate you, you can file a personal injury claim for your incurred damages.
If Uber Or Their Insurance Provider Refuses To Grant Your Insurance Pay Out
It might be necessary for a passenger to sue to get adequate compensation for losses if an insurance company (including Uber) simply won't acknowledge the validity of your claim.
An insurance company usually agrees to a fair settlement, especially with a strong demand letter from your California Uber Accident Attorney and solid proof.
If Uber Or Their Insurance Provider Keeps Lowballing You
Insurance providers will often trivialize injuries or outright lowball the offered payout. After all, they're still a business, and it is in their interest to not give out the appropriate settlement amount.
Even though the victim's case is strong, there are times when the insurer won't offer a high enough settlement before trial, so you must go to court. In any case, it is crucial to have the representation of a California personal injury attorney experienced in Uber accidents.
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