Few experiences can be as stressful as the sudden impact of a car accident. However, when the at-fault driver is an Uber driver, securing fair compensation for your injuries and other damages can be more complicated. This article will provide an overview of how rideshare insurance works in Nebraska and what steps Uber accident victims should take to get the maximum compensation they deserve.
How Uber Insurance Works in Nebraska
In Nebraska, Uber provides contingent liability coverage for drivers when they have accepted a ride request but have not yet picked up the passenger. The coverage limits are $50,000 per person for bodily injury, $100,000 total per incident for bodily injury, and $25,000 for property damage.
Once the passenger enters the vehicle, Uber’s insurance policy kicks in providing coverage of $1 million in liability insurance per incident. This policy covers bodily injury and property damage to passengers and third parties in the event of an accident.
However, there is a gap in coverage between when a driver logs onto the app and accepts a ride. During this period, damages would need to be covered by the driver’s personal auto insurance policy or their own assets.
This complex insurance system means Uber accident victims need to identify all potential insurance policies that may provide coverage. This includes the driver’s personal auto policy, Uber’s contingent and active period policies, as well as any uninsured/underinsured motorist coverage the victim may have.
Steps to Take After an Uber Accident in Nebraska
If you’re the victim of an Uber accident in Nebraska, here are some important steps to take:
Seek Medical Attention
Your health and safety should be your first priority. Even if you don’t think you were seriously injured, get evaluated by a doctor as soon as possible. Some injuries like concussions or soft tissue damage may not be obvious right away. Having prompt medical records will help support your claim.
Report the Accident
File a police report of the accident and be sure all parties involved are documented. Getting an official report from the responding officer will be key evidence. Also, report the accident to Uber as soon as you are able.
Document the Scene
Take photos of damage to all vehicles involved, road conditions, skid marks, and any other relevant factors. Preserve any dash cam or cell phone footage you may have. Documentation will help reconstruct the sequence of events.
Contact Witnesses
Obtain the contact information of any passengers, pedestrians, or other drivers that witnessed the accident. Their accounts of what happened could help prove fault.
Consult an Attorney
Speak with an experienced Nebraska rideshare accident attorney about your case. They can help you navigate the complex legal and insurance issues to maximize your recovery.
File an Insurance Claim
Once you have completed the above steps, file a claim with the appropriate insurance company. Your attorney can help identify all policies that may apply and correspond with the insurers.
Demand Fair Compensation
Be sure to account for all your economic and non-economic losses. These may include medical bills, lost wages, pain and suffering, loss of enjoyment of life, and more. An attorney can calculate the full value of your claim and negotiate the fairest possible settlement.
Contact Us Today
If you or a loved one have been injured in an Uber accident in Nebraska, call the experienced team at Monge & Associates today at (888) 477-0597 for a free consultation. With 32 offices located in 19 states, including Nebraska, Pennsylvania, and Georgia, our lawyers will protect your rights and help you recover the maximum compensation you deserve in your case. Don’t delay in seeking the legal help you need.