Car accidents are an unfortunate part of reality. What’s more, you and your loved ones can find yourselves contending with more than independent car accidents. You may find yourself in one while using a ridesharing service like Uber, too.
The legal complexities of Uber accidents are just that: complex. However, victims of today’s Uber accidents don’t have to break down their post-accident rights alone. Instead, interested parties can turn to Uber accident lawyers in Wayne, NJ. The team with Morelli Law Firm can help you and your loved ones fight for compensation in either negotiations or trial cases.
Uber’s Insurance and You
Because New Jersey is a no-fault state, drivers have to turn to their own insurers after an accident. This is the case whether you’re in an independent car accident or an Uber accident. However, Uber accidents can complicate who you reach out to.
Under most circumstances, Uber will match its insured drivers’ coverage. Provided you meet the appropriate circumstances and your own coverage won’t protect you, Uber can offer certain parties up to $1,000,000 in third-party liability coverage.
That said, this coverage only applies under certain circumstances. Likewise, it doesn’t protect everyone. Depending on your role in an Uber accident, you may want to pursue a civil suit for additional compensation.
Employed Drivers’ Expectations
Uber provides insurance coverage to its drivers who already have personal coverage. Even then, Uber applies for its coverage systematically. Drivers the company considers to be ‘off-duty’ will not benefit from any of the aforementioned liability coverage.
Instead, Uber offers different coverage to drivers waiting for rides and in the middle of drivers:
- Drivers who are specifically using the Uber app to wait for rides benefit from up to $100,000 in bodily injury per accident, with property damage and bodily injury per person coverage included.
- Drivers who are actively on the road receive up to $1,000,000 in third-party liability coverage.
Just because Uber offers to cover accident losses doesn’t mean that injured drivers can’t pursue suits, though. Uber drivers who want to take legal action against another party can work with a Wayne Uber accident attorney to do so. Most Uber-driven suits will target an individual, independent driver.
Uber always strives to protect its passengers from harm. That’s why the company provides insurance coverage to its passengers. Passengers can subsequently file insurance claims with the company if their own coverage doesn’t support their losses.
If the insurance claim doesn’t appear to address all your needs as a passenger, you do retain the right to pursue a civil claim. Passengers may file their claims against either Uber or an independent driver, depending on which party can be held liable for their losses.
In some cases, Uber may even offer injured passengers a settlement. These settlements are often designed to limit Uber’s time in court. If you receive a settlement offer, you can meet with one of our representatives to ensure that it’s as comprehensive as possible.
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Reacting to an Uber Accident As an Unaffiliated Driver
The aforementioned insurance extended by Uber never covers the losses of an unaffiliated driver. Because of New Jersey’s no-fault policy, all independent drivers injured in an Uber accident must rely on their own provider for support.
That said, independent drivers have the same right to compensation that Uber drivers do. If you believe that an Uber driver caused your accident, contact one of our Wayne, NJ, Uber accident lawyers. If the Uber driver is to blame, you’ll file a complaint against Uber.
Uber may attempt to claim that the driver in question was off-duty at the time of your accident. In these cases, you can work with our office to file a car accident claim against that independent driver. Either way, so long as you can prove liability, you’ll have the right to request financial support.
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New Jersey Residents Have Two Years to File
The state of New Jersey limits the amount of time you have to fight for compensation based on Uber accident losses. According to New Jersey Statutes section 2A:14-2, you have two years to submit a complaint to your local county clerk.
Don’t feel overwhelmed by that deadline, though. You don’t have to gather documents for your complaint alone. As soon as you’re ready to start building your case, you can reach out to the Wayne Uber accident attorneys on our team. We’ll do your case’s heavy-lifting for you so that you can focus on recovering.
Filing a complaint within this statute of limitations doesn’t mean that you’re setting yourself up for a trial. New Jersey’s valid complaints give you the legal backing to request financial support, instead. Whether you fight for that support in negotiations or in court, our attorneys will help you understand the legal tools that you can put to good use.
Conquering Your Post-Accident Bills Through Compensation
Uber accidents don’t tend to be kind to your wallet. When you come away from an accident, you may find yourself contending with extensive property damage on top of any accident-related injuries. The expenses tied up in these losses can keep you from pursuing the legal action that might otherwise spare your stress.
Fortunately, we’re here to help. We can help you divide your losses down into economic and non-economic categories. In most cases, these losses can include:
- Pain and suffering
- Lost property
- Essential repairs or property replacement
- Lost opportunities for employment
- Medical expenses directly related to your accident
- Wrongful death and funeral expenses as applicable
Once you’ve elaborated on the extent of your damages, you can submit your complaint with an estimate of your preferred compensation. Should your case carry forward, you can explore the other ways you can make your personal injury settlement more profitable.
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Don’t wait for your Uber accident’s statute of limitations to pass. The sooner you’re able to take action against the party liable for the losses, the sooner your financial woes may be a thing of the past.
For more information about your Uber accident case options, get in touch with Morelli Law Firm. Our Uber accident attorneys in Wayne can meet with you and discuss the circumstances surrounding your case. You can request a case evaluation by phone or through our website.