Your Partner in a Lexington Uber Accident
At Sam Aguiar Injury Lawyers, we take pride in providing legal representation for those affected by Lexington Uber accidents. Our team of car accident lawyers in Lexington understands the unique challenges in rideshare accident claims.
We fight to provide victims of Uber accidents with the justice and compensation they deserve.
With our deep knowledge of Kentucky’s rideshare service laws and a commitment to client-focused care, you will have a team of lawyers dedicated to protecting your rights and advocating for your best interests throughout the legal process.
If you or a loved one has been injured in an Uber accident, contact us today to learn how we can significantly improve the outcome of your claim.
Choosing Sam Aguiar Injury Lawyers as your partner for a Lexington Uber accident claim ensures you have a dedicated team committed to securing the best possible outcome for your case.
Our firm has a proven track record of success, having recovered millions for our clients through diligent work and a family-like dedication to those we represent.
Our achievements in personal injury claims include substantial settlements and awards, highlighting our capability to handle complex cases and achieve significant results.
This commitment has built our reputation as a premier firm in the Lexington community. Partner with our Lexington personal injury lawyers, and let our experience, dedication, and proven success work for you.
Why a Lawyer is Vital in Rideshare Accident Claims
Given the complex legal and insurance landscape surrounding rideshare platforms, Uber accident claims benefit from a lawyer.
An experienced attorney is essential in ensuring victims fully understand their rights and options to recover damages in their claim.
Our lawyers can determine liability, which is often challenging due to the involvement of multiple parties, including the Uber driver, the company, and potentially other drivers.
This understanding is instrumental in dealing with Uber’s insurance policies, which differ significantly from standard auto insurance, including navigating the company’s $1 million liability policy active during rides.
Moreover, a lawyer can accurately assess all damages incurred, including medical expenses, lost wages, and pain and suffering, to secure a comprehensive compensation package.
Their negotiation skills are crucial in maximizing settlements with insurance companies, which often employ tactics to minimize payouts.
In cases where settlement negotiations fall through, having legal representation ensures you’re prepared to pursue justice in court, providing aggressive advocacy on your behalf.
Lexington Laws on Transportation Network Companies
KRS 281.630 authorizes the Department of Vehicle Regulation to establish requirements for a transportation network company to apply for authority to operate in Kentucky.
KAR Title 601, Chapter 001, Regulation 113, Section 3 provides the specific insurance regulations these companies must follow:
“Section 3. Demonstration of Financial Responsibility and Insurance. (1) A TNC shall maintain primary automobile insurance that: (a) Recognizes that a driver is a TNC driver or using a vehicle to transport passengers for compensation; and (b) Provides insurance coverage for a TNC driver who is: 1. Logged on to the TNCs mobile application; or 2. Engaged in a prearranged ride. (2) The following pre-trip acceptance liability policy insurance coverage requirements shall apply if a TNC driver is logged on to the TNC’s mobile application and available to receive transportation requests but not engaged in a prearranged ride: (a) Primary automobile liability insurance in the minimum amounts required by KRS 281.655(12); (b) Basic reparation benefits in accordance with KRS 304.39-020; (c) Uninsured vehicle coverage in accordance with KRS 304.20-020; and (d) Underinsured vehicle coverage in accordance with KRS 304.39-320. (3) The pre-trip acceptance liability policy insurance coverage requirements of KRS 281.655(12) shall be satisfied by one (1) of the following: (a) Automobile insurance maintained by the TNC; (b) Automobile insurance maintained by the TNC driver.”
TNCs must maintain insurance that recognizes the driver as a TNC driver or when using a vehicle for passenger transport for compensation and provides specific coverage levels when the TNC driver is logged onto the TNC’s mobile application or engaged in a prearranged ride. For drivers logged onto the TNC’s mobile application but not involved in a prearranged ride, the insurance must cover primary automobile liability insurance in minimum amounts as required by KRS 281.655(12) and basic reparation benefits, uninsured vehicle coverage, and underinsured vehicle coverage as per relevant KRS statutes. While a TNC driver is engaged in a prearranged ride, the required insurance includes primary automobile liability insurance with minimum amounts specified by KRS 281.655(4).
Uber’s Insurance Policies
In Lexington, Uber’s insurance policies play a crucial role in the context of Uber accident laws.
These policies are designed to meet or exceed Kentucky’s requirements for Transportation Network Companies (TNCs) and ensure that all parties involved in an Uber accident have access to compensation for damages and injuries.
Understanding how and when to assess the insurance caps in a Lexington Uber Accident.
When the Driver is Logged into the Uber App but Has Not Accepted a Ride:
During this period, Uber provides contingent liability coverage to third parties if the driver’s insurance does not apply.
This typically includes at least $50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage.
From the Moment a Ride is Accepted Until the Passenger is Dropped Off:
Uber’s policy escalates to provide $1 million in liability coverage, significantly higher than most personal auto insurance limits.
This comprehensive coverage includes third-party liability, uninsured/underinsured motorist coverage, and contingent comprehensive and collision insurance for the driver’s vehicle, subject to a deductible.
Driver’s Insurance:
It’s important to note that Uber expects drivers to maintain their auto insurance policy according to Kentucky’s minimum requirements.
However, Uber’s insurance is designed to step in where the driver’s policy leaves off, providing additional coverage layers during ridesharing activities.
Contact Our Lawyers Today
If you’ve been involved in an Uber accident in Lexington, don’t face the aftermath alone. Our Sam Aguiar Injury Lawyers team is here to guide you through every step of your claim.
We understand the complexities of Uber’s insurance policies and the legal nuances specific to rideshare accidents.
With our dedicated legal support, you can focus on your recovery while we handle the intricacies of your case. Reach out to us today to see how our Lexington Uber accident lawyers can assist you in navigating the claims process and advocate for the best possible outcome for your situation.
