Filing a Uber Accident Insurance Claim
Filing Car Accident Insurance Claim – Auto Insurance Claim – A Guide for Uber Drivers
Uber Accident Claims
No one wants to deal with insurance once an accident occurs — but the truth is, the steps you take following an incident can be critical. Depending on how bad an accident is, you may have a number of thoughts racing through your head — is everyone alright; what do I do next?
At the end of the day, as long as no one is hurt, there’s nothing to panic over.
Yes, you will need to speak to your insurance company — something in which many of us dread, but you will be okay. That much is certain. If you’re picturing piles of paperwork and sharp increases in your premium, then my advice to you is — take one step at a time before you cause unnecessary stress.
You’ve Just Been In an Accident — Here’s What You Need to Do
While you’re still on-the-scene, regardless if the incident was your fault or not, it’s important to preserve evidence. Take a few pictures of the scene and any associated damage and follow these steps:
- Maintain composure — It’s easy to get upset following an incident, but no one needs to get carried away emotionally. The more clear headed you remain, the better. After all, you may be in a dangerous location, so stay aware!
- Take down all the information — Who was involved? Take down their names, contact details, and insurance information. Next, have someone report the incident to the police. Don’t automatically assume fault — this is especially important within your statement.
- Get checked over — Unfortunately, injuries from an accident can take weeks to surface. It’s never a bad idea to get yourself checked out, especially if you’re feeling a bit tender.
What happens if there were no witnesses — does an accident become a game of he says, she says?
In order to prove who was at fault:
- Research traffic laws — Based on your region, you should investigate traffic laws. For example, were you following too close? If so, did the car in front of you not have any brake lights? Take note of all factors, then research accordingly.
- Rely on police reports — If the accident wasn’t your fault, be sure to call an officer to the scene. They will make a report, which can stand up in court.
- Take pictures — Once again, a picture is worth a thousand words. Show where the damage is on your vehicle, as this can be very telling.
Now, it’s time to file a claim. Although you may be dreading this moment, you need to be honest. If your insurance company finds out that you’re lying or withholding information, they could cancel your policy. Provide all of the associated information to your broker — and they will likely start the process for you.
Should I Hire a Lawyer?
More often than not, you do not need to get any lawyers involved. As long as no one is injured and everyone is cooperative, your insurance companies can handle such events.
So, when should you hire a lawyer?
If you’re involved in a common ‘fender bender’ — you, more than likely will not need any legal advice. Once an accident causes physical injury, or in the worst case scenario, a fatality, legal representation may be required. A car accident attorney can help you:
- Get compensation to cover losses, including medical expenses, car repairs, and lost wages.
- Help you with a case that involves reckless or drunk driving — especially if someone was injured as a result.
If you believe you need legal assistance, since each state is different, it’s best to contact a lawyer as soon as possible. Contact a lawyer within the first week or two — essentially before you reach a settlement with your insurance company.
At the end of the day, the worst thing to do is nothing. Whether you are at fault or not, you need to take the necessary steps outlined above. Sure, you may dread speaking to your insurance company — but these types of incidents need to be addressed, so that you will not experience more severe consequences in the future.
Know your policy and speak to your broker about your options. Do you have accident forgiveness? If not, how much will your premium go up? If it does skyrocket — call around. It never hurts to compare insurance companies before your next renewal.