Sufficient Car Insurance & Why You Need It

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The Importance of Having Sufficient Car Insurance: A Real-Life Example

Car accidents can happen in the blink of an eye, often with devastating consequences. This week’s crash in Emerson, New Jersey, highlights the importance of having adequate car insurance coverage. On Tuesday, authorities responded to a two-car collision on Old Hook Road caused by an illegal turn made by a driver who was operating a rideshare vehicle for Uber. 

 

The incident occurred when the Uber driver, who had just picked up two patients from a nearby medical facility, ignored posted signs and made an illegal left turn while exiting the parking lot. The Uber pulled out directly in front of an oncoming vehicle, resulting in a collision that left one car partially overturned and all three occupants trapped inside. The other vehicle sustained severe front-end damage, and the driver suffered injuries despite her best efforts to stop in time.

 

This accident serves as a stark reminder of why it is crucial to carry sufficient car insurance. Many drivers underestimate the level of coverage they need, assuming that accidents will never happen to them. However, when an accident does occur, especially one involving significant injuries or damage, having the right insurance can make all the difference. Without adequate coverage, drivers may face overwhelming financial burdens, from vehicle repairs to medical expenses, and even legal fees.

 

Rideshare Companies Provide Extra Coverage 

If you are involved in an accident with a rideshare company like Uber or Lyft, it’s important to know that these companies carry $1 million in insurance coverage to protect their drivers, passengers, and others involved in an accident. This coverage can provide a critical safety net, but it’s essential to understand how and when it applies.

 

Rideshare insurance policies are generally divided into three phases:

 

Offline

When the app is off, the driver’s personal insurance is the only coverage.

 

Waiting for a Ride Request

Limited coverage kicks in if the driver is available but hasn’t accepted a ride.

 

En Route to Pick Up or During a Trip

This is when the $1 million liability policy from Uber or Lyft applies.

 

In the Emerson accident, the Uber driver’s illegal maneuver led to severe consequences for both vehicles. Fortunately, rideshare companies like Uber offer significant insurance protection, which can help cover the damages and injuries caused in such incidents. However, relying solely on this coverage is risky—personal auto insurance with sufficient liability and uninsured/underinsured motorist coverage is still necessary.

 

Protect Yourself with the Right Coverage

No matter how careful you are on the road, you can’t control the actions of other drivers. That’s why it’s critical to have adequate car insurance that covers a wide range of scenarios. Sufficient coverage ensures that you are financially protected if you are involved in an accident, whether it’s caused by your own mistake or the negligence of others, like in the Emerson crash. 

 

Remember, accidents are unpredictable, and the costs can quickly escalate. Review your policy, consider increasing your coverage limits, and speak with your insurance agent about options like uninsured motorist coverage to fully protect yourself and your loved ones.

 

How The Epstein Law Firm, P.A., Can Help if You’ve Been in an Accident Involving a Rideshare Vehicle

 

If you’ve been involved in an accident with a rideshare vehicle like Uber or Lyft, navigating the complexities of insurance claims can be overwhelming. The Epstein Law Firm, P.A., has extensive experience handling cases involving rideshare accidents, and we understand the unique challenges these cases present. 

 

Our team will work diligently to investigate the accident, identify all available insurance coverage, and negotiate with the rideshare company’s insurers to ensure you receive the maximum compensation for your injuries, medical expenses, lost wages, and pain and suffering. Let The Epstein Law Firm, P.A., be  your advocate in holding negligent parties accountable and securing the justice you deserve. Contact us today for a free consultation to discuss your case.