What You Should Know About Claiming Insurance After A Car Share Accident
All ride-sharing companies expect the driver to share some responsibility for at least part of any given accident. Still, not all companies agree on how each driver must take care of that particular responsibility.
Some companies demand payment of a deductible.
The size of the deductible can run as high as $500.
Some companies have a larger deductible, along with an added responsibility.
The deductible can be as high as $1,000. At the same time, the driver must carry a certain amount of additional coverage. That additional coverage is meant to compensate for the fact that the ride-sharing company has not insured drivers, following every type of collision. In other words, in the absence of the supplemental coverage, that uninsured driver becomes liable for any damage or injuries, as per injury lawyer in Abbotsford.
Some companies have customers sign a waiver.
Customers have the option of signing such a waiver. Those that sign will not be held liable for damage or injuries caused by an accident. Still, there is an exception linked to that waiver. A driver that sought to waive liability could still be held responsible for an accident, if he or she had been under the influence of drugs or alcohol at the time of the collision. In addition, the driver remains responsible, if he or she had been distracted at the time of the collision.
Steps to be taken by those involved in a ride-sharing accident:
Take photographs of your vehicle both before starting on your trip and, again, after your vehicle has suffered some type of damage. That way, you cannot be charged for minor damage, that existed at the time when you got assigned to a given vehicle. If necessary, hire a lawyer to support any claim that you should not have to pay for the existing minor damage.
Report the collision to the ride-sharing company. Do that as soon as possible. Prompt reporting indicates that you never gave any thought to hiding from the company the nature of what took place while you were at the wheel of a shared vehicle. Naturally, the involved drivers should also contact the police.
If you have done business with a company that has asked you to sign a waiver, do not try to hide evidence that you were drinking, using drugs or using the cell phone when the vehicles collided. Remember, there may be witnesses that could refute your statement. The statement from an innocent bystander would hold more weight than one made by someone that had been sitting behind the steering wheel.
Moreover, evidence of certain distractions can be proven. For instance, phone records could prove an attempt to make a phone call during the moments before a collision. That would hold quite a bit more weight than a witness’ statement.