Hey what's up guys la uber accident lawyer here and today uber accident lawyer in la have got a video for you about how to handle an accident while driving for uber now obviously this is not something that you want to run into but accidents do happen right.
If you guys are out there driving for any length or period of time you're gonna be more and more likely getting get into an accident no matter how good of a driver you think you are.
So la uber accident lawyer is gonna explain a little bit about how this coverage works like how you should handle these situations and honestly though before you ever get into an accident la uber accident lawyer think dash cams can be lifesavers um especially.
If you're a good driver at least you think you are right a dash cam is gonna serve to improve the other person was at fault or whatever maybe because accidents do happen and sometimes they're beyond your control.
So the first thing you guys got to understand is how the insurance coverage with uber works so they split it up into three periods right periods one two and three period one occurs when you log into the app right so when you're sitting there you go online and you're waiting for a request that's called period one.
So you could be sitting on your couch at home you could be parked in a parking lot or you could be driving around looking for a ride which la uber accident lawyer don't typically recommend period two starts the second that you accept a request right and now you're in route to a passenger once you arrive and the passenger gets into your car that's Period three.
Now uber actually and you're then you go and do the trip obviously the trip ends once the passenger gets out of the vehicle right and then you go back into period one so period two and three are when uber provides one million dollars in liability coverage and they also provide collision coverage but period one is where this little bit of a gap exists right and uber accident lawyer in los angeles will get into that a little more.
So that's kind of an overview of how it works you know like I said in that period one that's where you're gonna want something like a ride share insurance product to cover you because boomer doesn't provide collision during period one and they do provide liability but it's at much lower limit.
So let's say you you're out driving though for uber and you do get into an accident right regardless of what happens you're always gonna want to stay calm right los angeles uber accident lawyer is talking about literally as soon as the accident happens take long right the first few minutes are super crucial to make sure that you get all the basic information down what happened take a picture of their license plate with your phone take a picture of the day.
And take a picture of the drivers actual license and insurance information when you're exchanging info I mean you really want to document as much as you can with your phone taking pictures los angeles uber accident lawyer like to even record voice memos too that's one thing that always helps me.
And I think that can really help in the situation of an accident um because you know first of all la uber accident lawyer mean if you're not okay you know I guess I should have prefaced this with if you're not okay obviously call and of handle that but if it's just a fender bender or something like that you kind of want to go through all these steps now.
If you were on a trip with uber you're actually gonna provide ubers insurance information which can be found on the waybill at the app it's sort of in the options when you're on a trip now if it was during periods two or three.
Like I said uber accident lawyer in los angeles will cover you for that million dollars of liability insurance and collision if it was a thousand dollar deductible if it was period one uber will cover you at lower liability limits but no collision coverage right.
So if there's damage to your vehicle during and you get into an accident during period one uber will not provide any coverage and that's where rideshare insurance can really help because if you get into an accident during period one and you don't have rides your insurance not only will you burn not provide any collision but your personal insurer won't provide any coverage during period one.
Because you were technically on line for uber right that's sort of this gray area and that's what rideshare insurance can come in handy so uber accident lawyer in los angeles have a list of options you guys can go check out and get a quote if you're interested but that's sort of the risk that you're running without that rideshare insurance.
So let's say you do that though right and you kind of submit lubbers insuring you trade your ubers insurance information with the other party now you're sort of waiting and seeing what's gonna happen right.
You can reach out to her you probably want to let them know that you got into an accident what's gonna happen next though is they're probably gonna activate you or they will deactivate you temporarily until you can show evidence that you've gotten your car fixed right.
But they'll also start a claim with their insurance company which is called James Rivers insurance company from here it's just like a standard insurance claim but it's important to really stay on top of these guys and really kind of keep following up because as you know if you've ever dealt with insurance companies.
They're not going to care about your car your situation as much as you do and if you depend on your car to make money you're gonna be temporarily deactivated with uber until you get your car fixed right so it's really up to you to stay on top of mover make sure that they start the claim with James rivers make sure that James rivers is sending out the insurance and gesture and going through that whole process.
So since you don't have a car right obviously you can't make any money so you want to get back into your car and get back on the road as fast as possible and ubers insurance actually doesn't provide a rental car or anything like that but you could always go through the other person’s insurance to try and get a recover entail car and recover lost wages.
So that's always your other option and that could be beneficial especially the other person was at fault going through the other person's insurance because they'll be responsible for covering it now obviously getting into an accident can be expensive and it's obviously an unfortunate situation whether you're at fault or not.
But there you know there's the towing there's kind of rental cars and deductibles and all that involved so is definitely important through this situation and track all your expenses with an app like QuickBooks self-employed you can actually take pictures of all your receipts all your expenses to and categorize all your transactions.
You know if the other person is that fault and you do plan to go after lost wages and uber accident lawyer in los angeles do know several drivers who have been able to show pay statements and things like that and get lost wages in the event of an accident through the other person's insurance the more official your records are right.
If you're using something like QVC and you can show all your profit and loss and your income and expenses the better chance you're gonna have of getting money out of that insurance company right while your car is out of commission so a lot of drivers use apps like QVC to track their earnings and expenses.
But this is obviously one example where it can actually make you some money while your car's out of commission so if you guys like this video definitely feel free to give me a little thumbs up subscribe to the channel. Read our article Uber Accident Questions To Ask Attorney By Top Uber Accident Lawyer.
If you have any comments questions or concerns definitely leave them below and la uber accident lawyer will definitely reach out and respond to you in the comments so take care and la uber accident lawyer look forward to hearing from you guys soon bye.