What to Do If I am Hit by an Uber Driver on My Bike? Who Pays My Bill?

If an Uber driver hit you while you were riding your bike in Florida, then you have the right to bring a claim to recoup your losses. Besides bringing a claim against the negligent Uber driver, you also have the option of pursuing a claim against other entities that may be liable for your damages. While there’s limited case law on suing Uber directly for accidents its driver’s cause, Uber does provide comprehensive auto insurance policies for its drivers.

Determining Which Insurance Policy May Cover Your Medical Expenses

Pursuing a claim after an Uber accident in Florida is possible. But, the recovery process can be more complex because Florida follows the no-fault auto insurance system. This means if you have PIP insurance, you must first file a claim against your own PIP coverage before you can pursue a claim against an at-fault driver. So, if you were injured as a bicyclist by an Uber driver and you have PIP coverage, then you can pay your medical bills through your PIP benefits.

If you do not have your own PIP insurance, then you may be covered under a family member’s PIP coverage or health insurance. These may cover some of your medical bills. Also, you may be able to bring a claim against the at-fault Uber driver under the following circumstances:

  •       When your damages exceed your PIP benefits (if you have PIP coverage)
  •       When the Uber accident results in severe loss of function, severe physical limitations, amputation, disfigurement, or permanent impairments
  •       When the Uber crash results in wrongful death

How Uber’s Auto Insurance Coverage Works

In some cases, seeking compensation for medical expenses is possible without going to trial. All Uber drivers must maintain the required liability insurance. Moreover,Uber also provides supplemental insurance to its drivers. Yet, the amount Uber provides will be dependent on the circumstances of the accident.

Also, if an Uber driver hits you but the driver isn’t carrying a passenger or is not logged into the app, then the driver’s own insurance coverage will apply. If the Uber driver was logged into the app but didn’t have a passenger when you were hit, then Uber only provides limited coverage beyond the driver’s own coverage.

Likewise, if you were hit by an Uber driver while they were carrying a passenger or en-route to a ride request, then the coverage you may be able to recover could be much. In such cases, Uber provides up to $1 million.

Speak to a Tampa Uber Accident Attorney Now

Despite the compensation options available to you, receiving compensation is not guaranteed. Give yourself the best chance of securing financial compensation for your Uber accident-associated losses by getting in touch with the Tampa Uber accident attorney of Hancock Injury Attorneys today.

You can set up your free case review with our Tampa Uber accident attorney by calling 813-915-1110 or reaching usonline.

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