Elizabethtown Uber Accident Attorneys

Over the past decade, rideshare companies such as Uber have exploded in popularity across the United States. However, it was not until 2018 that Uber officially began to provide service throughout the state of Kentucky. Since then, many have come to rely on the convenience Uber provides. However, as more people start to use Uber, the number of Kentucky Uber accidents will begin to rise.

According to a recent study, the presence of a rideshare in a city will increase the total number of car accidents by between two to three percent. Nationally, this could amount to an additional 1,100 fatal car accidents each year. While there are many causes of Elizabethtown Uber accidents, most occur while a driver is “deadheading,” or driving around while waiting for a ride request to come in. 

Kentucky Uber accidents present unique issues that may not come up in other car accident claims. Primarily, these issues relate to the insurance coverage offered by Uber. Uber boasts a generous $1 million insurance policy in hopes of attracting both drivers and passengers. However, it is essential all motorists understand Uber’s insurance policy, as well as its limitations.

How does Uber’s insurance policy work?

Uber’s advertised $1 million insurance policy is only triggered in certain circumstances. As a general rule, passengers are covered under the policy. However, not all Uber accidents occur when an Uber driver is carrying a passenger. Uber breaks down the rideshare process into three phases:

• Phase one – This phase covered situations when the driver’s Uber app is off, or he is not accepting ride requests.
• Phase two – The second phase covers situations when the driver is available to accept ride requests, but has not yet been paired with a rider.
• Phase three – The third phase starts when the driver has been paired with a rider and continues through the ride, until the passenger is dropped off.

The available insurance coverage under Uber’s policy depends on the phase during which the accident occurred.

• Phase one – Uber’s policy is not involved, and injured motorists or pedestrians must pursue a claim under their own insurance policy or the policy of the at-fault driver.
• Phase two – Accidents occurring during the second phase are covered at a reduced level of $50,000 per person for maximum coverage of $100,000 per accident.
• Phase three – Uber’s $1million policy covers all accidents occurring during the third phase.

Importantly, there may be other insurance policies available for those who have been injured in an Elizabethtown Uber accident. However, insurance issues can be very complicated, and insurance companies have been known to take advantage of accident victims who are less familiar with the process. Thus, anyone who has been injured in a Kentucky Uber accident should consult with an experienced attorney to discuss their case.

Discuss your case with an experienced Uber accident attorney

If you or a loved one has been involved in an Elizabethtown Uber accident, you need an experienced personal injury law firm on your side. Hessig & Pohl is eager to help. Our dedicated team of Uber accident lawyers commands a firm understanding of the company’s complex insurance policy, as well as how to maximize our clients’ recoveries. Because we work on a contingency basis, our representation will not cost you anything out-of-pocket, and we will not collect a fee unless we can obtain compensation on your behalf. At Hessig & Pohl, we have the experience, dedication and skill necessary to effectively bring your claim against those responsible for your injuries. Contact us through this website, or call our office at (502) 777-1111. The initial consultation is always free.