Car insurance is a requirement and an added expense. One might think that this would make car policies, rates, and claims that much easier to navigate. Sadly, that is not the case.
Insurance policies, for private, commercial, and Uber vehicles are based on a number of factors. These include age, type of car, experience driving, the purposes for which you are using your car, and location. Car insurance is necessary.
Why Do We Need Car Insurance?
More than a necessity, car insurance is a legal requirement. While some may see it as an unnecessary expense because they have never been in an accident, car insurance is there to protect us from any number of very possible and traumatic scenarios. Considering the fact that over one million people die in car accidents around the globe, nearly 3,330 of those deaths occurring daily.
Financial Protection
Having car insurance is a risk worth taking, as it affords you coverage ‘just in case.’ Not having car insurance can leave you with tremendous debt and in financial ruin, particularly if you suffer property, auto, or medical damages.
Property Damage
Insurance contributes to the cost of repairs to your car, as well as other cars and property that may have been damaged in an accident.
Medical Costs
Medical expenses, such as X-rays, emergency room care, and ambulance transportation, are covered by insurance
Comprehensive coverage
Insurance covers the cost of repairs due to fire, theft, vandalism, and accidents that do not involve a collision.
What Does Uber Insurance Cover?
Uber cars need insurance for all the same reasons that others do. They often require additional safeguards and protections, however, as these vehicles are used for drivers, as well as paying passengers.
Uber car insurance is activated only after the driver agrees to pick up passengers. Thereafter, the driver must leave the Uber app open so that coverage is maintained for the duration of the ride. Car insurance for Uber vehicles is limited in the ways it tries to protect drivers, passengers and others on the road.
There are three types of insurance Uber provides.
Third Party Coverage
This type of coverage provides for injuries caused by an Uber driver to their passengers, other cars, property, and pedestrians.
Bodily Injury Coverage
Uber passengers are covered if another driver causes an accident, if the accident is a hit and run, or if the other driver has insufficient, limited, or no insurance.
Contingent and Comprehensive Coverage
Additional support is provided to Uber drivers who have private collision and comprehensive coverage.
Uber Insurance Coverage for Drivers and Passengers
Auto insurance provided by Uber covers drivers, passengers, and others under specific conditions. When the app is on, a very basic form of insurance is activated. When a driver accepts a passenger’s ride request, a broader type of insurance is triggered. The level of coverage provided to all parties, however, is up to each state, whether you are considered an independent contractor despite driving your own vehicle, and if your existing insurance wants to insure you as an Uber driver altogether.
It is Time to Call a Personal Injury Lawyer
Car insurance and personal injury cases are complicated under the best of circumstances, but more so when they involve Uber. Instead of trying to figure out who was at fault and the extent to which you may be covered, you need to call a personal injury attorney such as RMFWLaw in Brooklyn.
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