Getting injured in an Uber accident brings a different set of questions compared to a typical car crash. Whether you were a passenger in the Uber, a driver in another vehicle, or a pedestrian, it’s important to take the right steps after the accident. Since Uber operates under a unique insurance model, knowing how to file a claim can help you avoid unnecessary delays or confusion.
Seek Medical Attention First
Your health should always be the priority. If you’ve been hurt in the crash, call emergency services or go to the nearest medical facility. Even if the injuries seem minor, having medical records from the start helps create a clear timeline. That documentation will matter when it’s time to file your claim and show the impact of the car accident.
Gather Key Information At The Scene
If you’re able, collect information from all parties involved. That includes the Uber driver’s name, contact details, and license plate number. Also, ask for contact information from witnesses and take photos of the scene, vehicles, and visible injuries. This information may be important later if insurance coverage or fault is disputed.
Report The Crash To Uber
Open the Uber app and report the incident directly through their help section. Uber requires passengers to notify them of any accident involving one of their drivers. When submitting your report, stick to the facts and avoid speculation about who caused the crash. This initial step will trigger Uber’s insurance process.
Understand Uber’s Insurance Structure
Uber’s coverage depends on what the driver was doing at the time of the accident. If the driver was off duty, their personal insurance applies. If the driver was logged into the app and waiting for a ride request, limited coverage may apply. Full commercial coverage—including up to $1 million in liability—applies when the driver is en route to pick up a passenger or during a trip. Knowing this timeline helps clarify which policy you’ll be dealing with.
File A Claim With The Right Insurance Provider
Depending on the details of the crash, you may need to file your claim with Uber’s insurance provider, the driver’s personal insurance, or even your own insurance if other coverage is unavailable. This can get complicated quickly, especially if multiple policies are involved. The claim should include your medical bills, lost wages, repair costs, and other losses from the crash.
Document Everything Related To The Injury
Hold on to medical records, receipts, time missed from work, and any written communication with Uber or insurance companies. This paperwork supports your claim and shows how the injury has affected your day-to-day life. Keeping thorough records from the beginning will save time and reduce stress as your claim moves forward.
Talk With A Legal Professional
Uber accidents are different from standard crashes, and the process of filing a claim can be more involved. Our friends at Kelso Law remind us that being proactive—getting care, gathering documentation, and reaching out for legal guidance—can make the difference between a smooth recovery and a drawn-out claim process. Consider reaching out to an Uber accident lawyer today for assistance.