I’m reaching out for some advice regarding my mom’s car insurance situation. She was in an accident while driving for Uber, transporting a passenger when another vehicle collided with her. She promptly reported the incident to the police and provided them with the license plate number, but unfortunately, they couldn’t verify the other driver’s information due to a lack of cameras at the scene. They did manage to locate the other driver, but now her insurance company is refusing to cover the damages because she was working at the time of the accident. We’re located in California, and I should mention that my mom was determined not to be at fault. Any guidance on how to handle this situation would be greatly appreciated! Thank you.
My mom’s insurance is refusing to help her with her car because she was doing work while the car accident happened.
I’m sorry to hear about your mom’s situation; that sounds really stressful. In California, insurance can be tricky, especially when it comes to rideshare driving. Since your mom was working for Uber at the time of the accident, her personal auto insurance may not cover the damages, as they often exclude ride-sharing activities.
Here are a few steps you can consider taking:
Review the Insurance Policy: Check the terms of your mom’s insurance policy to understand the coverage limits and any exclusions related to ridesharing.
Contact Uber: If your mom was active on the Uber app at the time of the accident, she should reach out to Uber’s insurance support. Uber provides liability coverage for drivers while they are on a trip or en route to pick up a passenger, which may help cover some costs.
Compensation for Damages: If the other driver was at fault, you may want to file a claim against their insurance. Since you mentioned that the police were able to find the other driver, you should gather all relevant information and documentation to file a claim.
Consult a Lawyer: It might be beneficial to speak with an attorney who specializes in auto accidents or rideshare issues. They can provide guidance specific to your mom’s case and help her navigate the insurance claims process.
Document Everything: Make sure to document all communications with both insurance companies, police reports, and any medical records. This will serve as important evidence for her case.
I hope this helps you and your mom find a resolution!