Since Uber or Lyft drivers spend more time on the right than the average person, then they are more likely to get involved in an accident. This could be something minor such as a small scratch or a serious fender bender. Either way, it’s essential to know what you should do if you’re in an accident as a driver. Here are the five essential Uber accident steps you should take.
Before You Get Started:
Uber requires that all of its drivers have car insurance. There are a few important things to know. You need to check with your car insurance company because in some cases, commercial driving may violate the terms of your agreement. Most companies now have rideshare policies you can add to your insurance for an additional $6-20 a month.
Uber also provides insurance. As soon as you turn on the app, you are covered. While you are waiting to pick some up and on the way to pick up of “liability coverage in amounts of at least $50,000 for the driver’s liability for bodily injury to one person, $100,000 per each accident, and $25,000 for property damage caused to others.” After you’ve picked someone up that amount is increased to $1,000,000 in damage. If you have comprehensive and/or collision coverage, Uber will also cover vehicle damage though with a $1,000 deductible.
The Bottom Line: Uber will cover large damages, but you need supplemental protection to take care of smaller claims.
Steps to Follow in an Uber Accident
Check if you and your passengers are safe.
Safety first. Be sure everybody is okay. If you are able to, pull the vehicle to the side of the road and call 911 if necessary.
If Everybody is Safe, Find Your Insurance Paperwork and Start Communicating
Like any other accident, it’s time to discuss with the person in the collision with you what happened. Remember, you are a professional driver so that even if the other person was clearly at fault, do not lose your temper. Accidents happen. Try to work through things and take down the important insurance and other personal information you need.
Write down everything that happened in detail. Be sure to take pictures of crash damage on both vehicles along with other parts of the vehicle. You don’t want somebody claiming you damaged a part of his or her car when you didn’t. This is where having a dash cam can be beneficial because it shows exactly what happened.
Contact Uber and Take Care of Your Passengers
If it is a minor accident, then you can continue the ride. But, you’re passengers will be much happier if they are not needed as witnesses. It’s bad enough to be an accident, but you don’t want to further inconvenience your passengers.
Refund the trip money and ask them to find a new driver while. You might want to ask them for some contact information in case you need their witness statement. Contact Uber and tell them everything that happened. Then file a report and see if there if you are covered by any compensation.
Get the Car Repaired Immediately
Even if it was just a minor fender bender, you should get your car looked at right away. You never know how a collision might affect highly sensitive internal components. The sooner you repair the vehicle, the lower the likelihood of long-term damage. Aside from repairs, professional collision experts can help you assess the damages along with key information for the insurance companies to help you claim.
What to do After an Uber Accident
Big or small, there’s nothing fun about accidents. But, as an Uber or Lyft driver, your car is your livelihood so it’s important you get back on the road as quickly as possible. Getting expect collision repair is essential to maintaining your vehicle and getting you back on the road. Most businesses can help you with a wide range of other services from auto collision repair to maintenance and even custom paint and interior work.