Uber and Lyft Accidents
Each municipality is different but in Toronto, taxis and Uber are common forms of transportation. The bigger communities have Uber, but not all the smaller ones do. The issue with Uber is that many of the Uber drivers, until recently, did not have proper insurance. Therefore, if a person is in an uninsured Uber vehicle and that person did not own an automobile of their own or have access to a valid policy of insurance, there may not be any insurance coverage if there is an accident.
However, there are insurance options available now, but it is unclear how many Uber driver’s have actually elected to purchase the proper coverage. If you have been in an Uber accident, your case can have many complications that will be difficult to navigate without the help of a skilled car accident lawyer. Contact a Toronto Uber accident lawyer right away if you have been involved in an accident and would like to pursue your claim.
Recovering Damages from Uber Drivers
One recovers against an Uber driver the same way a person can with any other at-fault driver in this province, through the insurance companies. After seeking medical care, an individual should consult with a Toronto Uber accident lawyer in order to learn what their rights are.
It is imperative that the victim collects as much information as possible. They should ensure the driver is actually who they say they are and get information from all parties involved and call the police as well as their own insurance, if applicable.
Damages Following an Accident
If an individual is in an Uber and an accident occurs, there are a couple of different situations that could follow. If that individual does not have an automobile of their own or access to a valid policy of automobile insurance, and the accident is caused by a third party, or if the Uber has insurance, this would be the source of the Accident Benefit/No-Fault coverage. The Tort, the individual at fault, would be the third party insurance company that caused the accident.
If the Uber did not have valid insurance, then the third party insurance would be on the hook for both the Accident Benefit/No-Fault and the Tort/at fault.
Briefly, the Accident Benefits/No fault insurance is responsible for the injured person’s treatment which could include physiotherapy, other treatment modalities and/or an income replacement benefit. The Tort benefits are the damages for pain and suffering, future income loss, future treatment needs and anything not covered by other policies of insurance.
The other situation, which holds the most risk, is if the Uber is uninsured or underinsured and the occupant does not have access to a valid policy of automobile insurance.
This can result in situations where the individual will be forced to apply to a government fund set up for uninsured accidents and could result in drastically reduced benefits and damages. It is always important for a person to notify their insurance company immediately no matter if a person is driving their own car or not.
Benefits of a Lawyer
If you have been in an Uber accident, hiring a Toronto Uber accident lawyer should be your next step. An experienced lawyer can try to help maximize the possible monetary recovery and they will also assist with enabling recovery treatment options for your injuries.