The Insurance Secret Uber Doesn't Want You to Know
Uber Accident Attorney Reveals All Who, precisely, is liable when a driver is involved in an accident? Is it him, his insurance company or the company he is working for? The Law isn’t clear on this question as liability is determined on a case by case basis. However, it is this legal gray that many companies, particularly those involved in the tech industry, are taking advantage of to avoid liability. If a company such as Uber simply facilitates the relationship between the client and a third-party driver, it can simply claim that it is not liable in case the third-party driver is involved in an accident. However, there is much more to this than meets the eye. In the Uber model, most of the insurance load is left on the shoulders of Uber drivers, who are actually using their own personal car insurance (PCI). These drivers might not be aware of the fact that their PCI policy might not cover them if they are working for Uber or other ride-sharing applications. In case you have a PCI policy, it is important to know that the insurers will not cover an accident which occurs while you are carrying out any commercial activities. Many insurance companies have made it clear that their PCI policies will not cover any cars used in the transportation of passengers for a price. There have been various reports of certain insurance companies such as Geico withdrawing PCI policies or totally declining to renew them as a result of a driver’s Uber activity. KQED recently reported that numerous drivers in California have been denied insurance after disclosing their plans to work for ride-sharing companies. Thus, it is important for you to know that you will likely not be covered by your PCI in case of an accident. However, in 2014, Uber posted an infographic on their site which shows when a PCI cover concludes and when their insurance kicks in. According to Uber, when the Uber app is not in operation, the driver is covered by his or her own PCI, but when the Uber app is in operation and there is a passenger in the car, the driver is covered by Uber’s insurance. Who is liable in case something happens when the car has no passenger but the app is on is subject to heated debate among ride-sharing companies, drivers, and regulators. This particular insurance gap got a lot of media scrutiny in 2013 when an UberX driver struck and killed a six-year-old girl, Sofia Liu. Some of her other family members were also severely injured in the accident. A wrongful death lawsuit was filed against the Uber driver by an Uber accident attorney representing Liu’s family. Uber refused to admit liability for the damages since the Uber driver was not carrying any passenger at the time the accident occurred. In response to this particular occurrence, the CPUC (California Public Utilities Commission) re-evaluated its insurance requirements for transportation networking companies (TNCs). Assembly Bill No. 2293, which was later signed into law and became effective on the 1st of July 2015 requires California car insurance companies to have insurance covers for various commercial activities including ride-sharing. Hopefully, car insurance companies in other states will be encouraged by the new regulations of California to come up with separate commercial insurance policies for ride-sharing drivers. However, questions still remain regarding how these policies will actually work. If you have ever been involved in a car accident involving an Uber driver, then you most definitely need to seek the services of a proficient Uber accident attorney. You are legally entitled to compensation for your accident-related damages. \\\(#case-consultation-form-container)FREE 24/7 Consultation### Uber Accident Resources [inpagemenu menu=uber]
How Long Does a Pedestrian Accident Settlement Take?
What is the Average Settlement Amount in a Pedestrian Accident Case? Injuries in a pedestrian accident are almost inevitable. Cars are much heavier than our body which is why most pedestrian accidents result in significant injuries. The severity of the injuries can depend on many factors, such as speed or angle of impact. Very few pedestrians escape from such an accident without any damage. But what matters is how long will it take for them to get compensation, which is where a pedestrian accident attorney comes in. If you or someone close to you is involved in a pedestrian accident case, it is very important to understand the basics of the settlement process. It will help you understand what factors influence the duration of the settlement and why it usually takes so long. If you know how the settlement after a pedestrian accident works, you may be able to influence it a little and speed up things, so you do not need to wait. However, what’s most important is that you get adequate compensation for your damages. If you do not want to get into these legal details, it would be better to find a good pedestrian accident attorney. He will explain you what you need to know and take care of the rest. What Affects the Process of a Pedestrian Accident Settlement? Every situation is different and the duration of a pedestrian accident settlement varies from case to case. The range is huge: from a few months to many years. Why is there such a big difference? There are many factors that affect the settlement process. Severity of the injuries. Usually, the settlement does not take place until the medical treatment is completed. It means the case will not be closed until the pedestrian is cured or stable without the chance for any possible further improvement. If pedestrians receive minor injuries, they get better rather quickly. On the other hand, in case of severe injuries the settlement process can take several years. Negotiations with the insurance company. After the treatment is completed settlement negotiations with the insurance company take place. They also take time. Even if there are no problems and the settlement amount satisfies both parties, negotiations will still take months. If the pedestrian claims more money that the insurance company is ready to pay, the settlement negotiations will naturally take more time until they reach the consensus that will satisfy them all. Sometimes neither the pedestrian nor the driver has insurance. The only option for the compensation in this case is to pursue a lawsuit against the driver. Sometimes, unfortunately, if the driver has not got enough assets, the pedestrian has no chance of getting a sizable compensation. Trial. Not all pedestrian accident settlements go as far as a court room, but sometimes it happens. For example, an actual trial can be required because the settlement is not successful. In this case, the process will take even more time than a simple out-of-court settlement. What to Do in a Pedestrian Accident If you have an accident it is important to take some particular steps to ensure quick settlement process. If you fail to do it, problems might occur that will hinder it. The first and the most important thing after the accident is to get necessary medical care. After this you should contact the police if they have not arrived yet. Also, notify your insurance company and the driver’s. Don’t forget to contact an experienced pedestrian accident attorney. He will ensure that you get the full and fair compensation you are owed. (#case-consultation-form-container)FREE 24/7 Consultation
5 Safety Features Your Car Will Have by 2020
We may still be far from the day when we will regularly see high-flying clouds in the rear view mirror, but automotive technology has come a long way in recent years, and we can expect to see a lot more milestones being crossed before the decade is over. In the auto industry, safety has been and will continue to be a top concern, as car companies race to outfit their vehicles with technologies that not only reduce the chance of a collision, but also better protect passengers in case one occurs. Below, we cover the features that are most likely to be big sellers – perhaps even game changers – in the not-so-far-away future: Driver Assistance Systems – Our cars might not drive themselves by 2020, but they will make us safer drivers. For instance, radars will “watch” our blind spots, our rears, AND our fronts, essentially sensing accidents before they occur and coordinating with other systems (like brakes) to prevent them. 360 Driver Vision – Rearview cameras are already becoming standard; soon, cars will have more technologically advanced cameras that stitch together multiple feeds to give us a 360-degree view. Future drivers will have many eyes on the road. Night Vision with Pedestrian Detection – Sophisticated night vision systems are actually available on the market today. By using infrared light or amplifying available light, they help drivers spot incoming pedestrians in the dark. However, their current prices are too luxurious for the average consumer. But in the future, these systems may become affordable enough to enter the mainstream. Adaptive Cruising – Imagine cruising at highway speeds without having to constantly adjust your speed to match the vehicle in front: this is what adaptive cruise control offers. Like night vision systems, it’s currently optional (and expensive) on high end models, but will likely become standard in the future. The technology will also likely evolve enough to work at very low speeds, like in stop-and-go traffic. Cars Talking to Each Other – It may sound crazy now, but in the future, it will almost certainly become a reality. In the future, vehicles will use advanced Wi-Fi technology to “talk” to each other, transmitting their location and other vital information (speed, direction, and so on) to prevent a collision. However, expect the price tag for this option to remain hefty for many years past 2020. Car accidents may become a thing of the past once all of these safety features become ubiquitous – but for now, they’re here to stay. Until then, rely on the experienced car accident lawyers at Wilshire Law Firm for all of your legal needs. Our number is 1-800-52-CRASH. We offer FREE consultations.