You call an Uber to get home from downtown Gulfport after dinner with friends. A few minutes into the ride, another car runs a red light and slams into your vehicle. Or maybe your Uber driver gets distracted, drifts into another lane, and causes a crash. In either case, you’re left injured, shaken, and wondering, who in the world is paying for this?
Rideshare accidents add extra layers of complexity to the usual car accident process. At Ben Bowden, PC Trial Lawyer, we help injured passengers, drivers, and others involved in Gulfport Uber accidents figure out exactly who is responsible and how to pursue compensation.
Who Can Be Liable in an Uber Accident?
Responsibility often depends on the circumstances of the crash. Possible liable parties include:
- The Uber Driver – If they caused the crash, their insurance may be the first line of coverage.
- Another Driver – If a third-party driver was at fault, their insurance is generally responsible.
- Uber’s Insurance – In many cases, Uber’s corporate policy provides additional coverage beyond the driver’s own insurance.
When Does Uber’s Insurance Apply?
Uber’s coverage depends on the driver’s status at the time of the crash:
- App Off / Logged Out – Only the driver’s personal auto policy applies.
- App On / Waiting for Ride Request – Uber provides limited liability coverage.
- En Route to Passenger or During Trip – Uber’s full coverage applies, which can include liability coverage, uninsured/underinsured motorist protection, and contingent collision coverage.
Steps to Take After an Uber Accident
Your actions right after the crash can make a big difference in your case:
- Get Medical Help – Even minor pain can signal a serious injury. See a doctor promptly.
- Report the Crash – Use the Uber app to notify the company and call the police to file an official report.
- Gather Evidence – Take photos, save screenshots of your ride details, and collect witness contact info.
- Talk to a Lawyer – A Gulfport, MS car accident lawyer can handle communications with insurers and protect your rights from day one.
How a Gulfport Car Accident Lawyer Can Help
Uber accidents can involve multiple insurers, complex coverage rules, and disputes over fault. We can:
- Investigate the Cause – Review accident reports, driver records, and witness statements.
- Deal with Insurance Companies – Push for fair compensation and prevent lowball settlement offers.
- File a Lawsuit if Needed – Take your case to court to protect your right to full recovery.
Mississippi’s Comparative Negligence Rule
In Mississippi, you can still recover damages even if you were partly at fault. Under the pure comparative negligence rule, your compensation is reduced by your percentage of fault, so proving the other party’s responsibility is key to maximizing your recovery.
Talk to a Gulfport, MS Car Accident Lawyer Today
If you were injured in an Uber accident—whether as a passenger, driver, or pedestrian—don’t try to sort it out on your own. At Ben Bowden, PC Trial Lawyer, we know how to untangle the insurance web and fight for the compensation you deserve.
Call us today for a free consultation and get clear answers on your next steps toward recovery.
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