Ride-sharing services have become an essential part of daily life in San Diego, with 76% of passengers in the U.S. using Uber regularly. But with convenience comes potential risk, and Uber accidents can quickly escalate into legal challenges far more intricate than traditional car accident cases.

If you’ve been injured in an Uber accident in San Diego, you might feel overwhelmed by the complexities ahead. Frantz Law Group’s attorneys specialize in personal injury cases, including Uber accident claims.

We’re here to untangle the complicated process for you.

This blog will guide you through the key aspects of an Uber accident case: liability, common injuries, the claims process, and why expert legal representation might be the difference between fair compensation and missed opportunities.

Understanding Liability in San Diego Uber Accidents

Determining who is responsible for an Uber accident isn’t always straightforward. Unlike standard car accidents where liability for property damage typically lies with one of the drivers, ride-sharing accidents involve several layers of potential responsibility.

Vicarious Liability and Uber’s Role

Uber drivers are considered independent contractors, not employees. This distinction can blur the lines when assigning liability. While Uber typically tries to deflect direct responsibility for accidents, their insurance policies often kick in during specific scenarios to protect passengers and other victims.

Uber’s Insurance Coverage

Uber provides insurance coverage for its drivers and passengers, but the extent of this coverage can vary depending on the circumstances of the accident.

Uber’s car insurance and coverage is divided into three periods: Period 1, Period 2, and Period 3.

The level of insurance coverage varies depending on the period, with higher coverage limits during Period 2 and Period 3.

For example, if a rideshare driver is logged into the Uber app and waiting for a ride request at the time of the rideshare accident occurred, but doesn’t have a passenger in their car, Uber’s insurance policy offers limited coverage:

If a passenger in the vehicle or the driver rideshare vehicle is actively en route to pick up a rider, then Uber’s $1 million liability coverage will apply.

In some cases, if the at-fault party has insufficient insurance coverage, Uber’s underinsured motorist policy may cover damages as well.

But even with this insurance coverage in place, navigating an Uber accident claim can be incredibly complex.

Insurance companies are notorious for trying to minimize payouts and protect their bottom line, which can leave accident victims without the compensation they deserve.

That’s where experienced legal representation can make all the difference.

The Driver’s Liability

Like any driver, Uber drivers can also be personally liable if their negligence caused the accident. However, pursuing compensation from an individual can be difficult due to limited personal insurance policies.

Pro Tip: Understanding these nuances is vital to your case. That’s why having a clear legal strategy with an experienced attorney, like the team at Frantz Law Group, can ensure no coverage avenue is overlooked.

Common Injuries in San Diego Uber Accidents

The injuries from Uber accidents can range from mild to life-altering. Prolonged consequences from these injuries often demand fair compensation for medical bills. Comprehensive medical evaluations and proper documentation are critical in building a strong claim.

Below are the most common types of injuries passengers and others involved frequently face.

Whiplash

Whiplash is one of the most common injuries in vehicle collisions, caused by the forceful, rapid back-and-forth movement of the neck. While some cases resolve quickly, others may lead to chronic pain or limited mobility.

Traumatic Brain Injuries (TBIs)

From concussions to severe brain damage, TBIs can happen even in what seems like a minor crash. The long-term impacts of TBIs, including cognitive decline and memory loss, can be profoundly disruptive to victims’ lives.

Spinal Cord Injuries

Spinal cord injuries can lead to permanent changes in strength, sensation, and bodily function. Partial or full paralysis is a possibility for those who sustain severe spinal damage.

Broken Bones

Fractures are a frequent result of significant collisions. Recovery times can vary widely, and some may even require surgery or physical therapy for proper healing, hindering victims from returning to work or daily activities.

Soft Tissue Injuries

These injuries typically include sprains, strains, or contusions and can result in ongoing pain and limited mobility. Although less severe, soft tissue injuries can still disrupt daily life.

The Claims Process for San Diego Uber Accidents

Navigating the claims process can be daunting, especially against large corporations like Uber. Investing time in every step can make a significant difference in securing the compensation you deserve.

Step 1: Gather Evidence

The foundation of any claim is evidence. Gather police reports, medical records, photos of the scene, damage to the motor vehicles, and witness statements. This documentation is vital for demonstrating the severity of the accident and injuries.

Step 2: File a Claim

Filing a claim typically involves dealing with Uber’s insurance provider as well as the driver’s insurance company. Be prepared for pushback—insurance companies prioritize minimizing payouts, not protecting your interests.

Step 3: Settlement Negotiations

Most Uber accident claims are resolved through settlement negotiations. The amount you receive will depend on the strength of your claim, the documentation provided, and the skill of the attorney advocating on your behalf.

Choosing a San Diego Uber Accident Attorney

Uber accidents are complex cases that require expertise. This isn’t something you want to tackle alone, especially when your health and financial well-being hang in the balance.

Benefits of Hiring a Specialized Attorney

An attorney with experience in Uber accidents brings a strategic advantage. They can:

More importantly, they’ll focus on maximizing your compensation so you can focus on recovery.

At Frantz Law Group, we’ve helped countless clients in San Diego get the justice they deserve. Don’t settle for less—arm yourself with the best possible representation for your case.

Talk to Frantz Law Group Today

You have rights as a passenger or victim in an Uber accident, and those rights matter. Frantz Law Group specializes in personal injury cases, including rideshare company accidents, and is committed to helping victims recover fair compensation for their losses.

With decades of experience, a results-driven approach, and attorneys dedicated to your case, we’ll guide you through the complexities of your claim and fight for what you deserve.

📞 Contact us today for a free consultation and take the first step toward justice.