Ridesharing services like Uber have transformed transportation in Vermont, offering convenience and affordability. However, as Uber rides increase, so do the risks of accidents. If you’ve been involved in a crash while using Uber—whether as a passenger, pedestrian, or another driver—you may be wondering how to file a claim. Understanding the process, the insurance policies involved, and your legal options can help you seek compensation for injuries and damages.

Understanding Uber’s Insurance Coverage in Vermont

One of the most critical aspects of filing an Uber car accident claim is determining which insurance policy applies. Uber provides insurance coverage for every one of their drivers, but the total amount of coverage available depends on the driver’s status at the time of the accident.

Uber’s Insurance Coverage Breakdown

• Driver Offline or Not Using the App: The driver’s personal car insurance applies. Uber provides no coverage in this scenario.
• Driver Logged Into the App, Waiting for a Ride Request: Uber offers limited liability coverage:
  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury
  • $25,000 for property damage
• Driver En Route to Pick Up a Passenger or During an Active Ride: Uber provides up to $1 million in liability coverage and uninsured/underinsured motorist (UM/UIM) coverage for passengers and third parties.

Knowing which policy applies will determine how your claim is handled.

Steps to Filing an Uber Accident Claim in Vermont

1. Report the Accident Immediately

Regardless of how minor or serious the crash appears, reporting it immediately is essential. Here’s who you should notify:

• Law Enforcement: Vermont law demands drivers to report accidents involving injuries, fatalities, or significant property damage. Call 911 and request an officer to file a police report.
• Uber: You can report the crash through the Uber app under the “Trip Issues and Adjustments” section. Uber’s insurance provider may reach out for further details.
• Your Insurance Company: If you were driving or riding in another vehicle, notify your insurance provider to begin the claims process.

2. Gather Evidence at the Scene

Evidence strengthens your claim and prevents disputes. If you can, collect the following information:

• Photos and videos of all vehicle damage, road conditions, and visible injuries
• Contact details of all drivers involved, including Uber’s driver
• Insurance information from all parties
• Witness names and statements
• The official police report (once available)

Documenting everything at the scene will make the claims process smoother.

3. Seek Medical Attention

Even if you feel fine, injuries like concussions, whiplash, or internal damage might not be immediately obvious. A medical evaluation documents your condition, which is critical for proving injury claims.

4. Determine Liability

Liability in an Uber accident can be complicated because multiple parties may share responsibility. Possible liable parties include:

• The Uber Driver: If they were negligent (e.g., speeding, distracted driving), they may be responsible.
• Uber’s Insurance Provider: If the driver was logged into the app and actively working, Uber’s coverage might apply.
• Another Driver: If another motorist caused the crash, their insurance should cover damages.
• Third Parties: In some cases, vehicle manufacturers, municipalities (for hazardous road conditions), or other entities may be partially at fault.

5. File an Insurance Claim

Depending on the accident circumstances, you may need to file with:

• Uber’s insurance provider (if the driver was on duty)
• The Uber driver’s personal insurance (if the driver wasn’t logged into the app)
• Another at-fault driver’s insurer (if a different vehicle caused the crash)

Uber’s insurer is James River Insurance for most U.S. claims, but it may vary. You can initiate a claim through Uber’s website or app.

6. Negotiate a Settlement or Consider Legal Action

Once you submit a claim, the insurance company is going to investigate and make an offer. However, insurers often aim to minimize payouts. If you receive a low settlement, you can:

• Negotiate for a higher amount: Provide medical bills, lost wage documentation, and proof of damages.
• Hire a personal injury attorney: If negotiations stall or your claim is denied, a lawyer will help you seek fair compensation.
• File a lawsuit: When the insurance company will not pay a reasonable settlement, litigation may be necessary.

Common Challenges in Uber Accident Claims

Navigating Uber-related claims can be complex. Some hurdles claimants face include:

• Disputes over liability: Uber may argue the driver was off duty, shifting responsibility to personal insurance.
• Insurance coverage denials: Uber’s insurer may reject claims by asserting that another policy should apply.
• Low settlement offers: Initial offers may not fully cover medical bills, lost wages, or pain and suffering.

If any of these issues arise, legal guidance can make a significant difference.

Why Hiring a Lawyer Can Help Your Case

Uber accident claims involve multiple parties, complex insurance policies, and potential legal obstacles. A personal injury attorney can:

• Investigate the accident and gather evidence
• Handle communication with insurance adjusters
• Calculate fair compensation, including future medical costs
• Represent you in court if necessary

In Vermont, you generally have three years from the accident date to file a personal injury lawsuit. However, it’s best to take action promptly to preserve evidence and witness testimonies.

Conclusion

Filing an Uber accident claim in Vermont requires careful documentation, knowledge of insurance policies, and an understanding of liability. Whether you’re a passenger, driver, or another motorist involved in an Uber crash, following these steps will help you navigate the claims process. 

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Vermont Uber Accident claims can be challenging. Fortunately, you don't need to do it alone. The experienced lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.