Family Sues Uber Over Insurance Claim Related to the Death of a Driver
The family of a Baltimore man who was killed in a car crash while driving for Uber has filed a lawsuit against Uber over the size of the insurance payout related to his death. According to the article (below), the driver of the Uber vehicle was heading south on Belair Road when he was struck by another vehicle that was driving the wrong way in a head-on collision. The driver of that vehicle was driving a stolen car and did not have insurance. Toxicology reports show that the driver of the stolen car had fentanyl and cocaine in his system at the time of the crash. He also died in the accident. Several others were injured. The driver of the stolen car was determined to be 100% responsible for the crash.
The lawsuit filed by the family claims that Uber committed fraud. On their website, they advertise that they have a $1 million insurance policy for auto accident liability. But Uber is now claiming that is not the case. Instead, they are offering the family a fraction of that amount.
There are several different sorts of driving insurance policies. In this case, Uber says that they have $1 million in liability coverage but that their uninsured/underinsured motorist policy is for much less. The family believes that Uber has $1 million in uninsured/underinsured car accident insurance and is suing for that amount to compensate them for the loss of their father and loved one.
Instead of $1 million, the family is being offered $30,000 for the death of the driver.
Uninsured/underinsured car insurance policies
These types of coverage exist on almost every car insurance policy in America, and they pay when you are in an accident with an uninsured driver, involved in a hit-and-run accident, or when the driver who causes a crash has insufficient insurance coverage. You can file a claim against this policy and recover money for your injuries and damages. Car insurance companies don’t like offering these types of policies but are required to offer them by law. In most states, you must explicitly reject coverage in writing. It will reduce the amount of auto insurance premiums you pay every month, but it will also leave you in the lurch if you are in an accident with an uninsured driver whose liability policy would pay you if they cause an accident.
The family is claiming that Uber advertises that they have a $1 million insurance policy for their drivers. However, Uber is claiming that that policy only applies to liability coverage. Since the father was not responsible for the accident, the other driver’s insurance policy would be on the hook for his wrongful death. However, that driver did not have insurance. In that case, the family would file a claim against their uninsured motorist policy. In this case, Uber says that their uninsured driver’s insurance pays out $30,000 per person and $60,000 per accident. The family claims that this is fraud and false advertising, and is seeking the entirety of the $1 million policy.
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