What If the Insurance Company Offers a Settlement That Doesn't Cover Your Uber Accident Expenses?

If you're a victim of an Uber accident, you likely have numerous concerns to address. One of the immediate and prominent worries is the settlement offered by your insurance company not covering all your expenses. This situation is particularly stressful if you have spiraling medical bills, lost wages, and looming repair costs to face.

While insurance companies function primarily to protect their policyholders, they are, at the end, profit-oriented businesses. The unfortunate truth is that many insurance companies often attempt to minimize their expenditures, at times resulting in an unfair settlement that doesn't match the victim's actual losses. If this is your current predicament, there are essential steps you should take.

Understanding Your Insurance Rights

Just because your insurance company has handed down an inadequate settlement doesn't mean you have to accept it. It is crucial to understand that you have the inherent right to negotiate, and if necessary, seek legal recourse if you believe you're receiving an unfair deal. You also hold the right to get fair compensation for all your Uber accident losses, including economic costs like medical bills and non-economic damages like pain and suffering.

Negotiating with Your Insurance Company

The first step when your insurance company proposes an unjust settlement offer is to negotiate. Obtain a complete breakdown of your insurance company's calculations to understand what they've included or excluded in your claim. Compare this with your calculations that should include:

  • Medical bills (past and future)
  • Lost wages
  • Repairs 
  • Pain and suffering

If there's a discrepancy, issue a counteroffer, justifying it with your calculations, evidence, and any applicable laws. Be patient and be prepared for a process that may take time and back-and-forths.

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Hiring a Personal Injury Attorney

Understandably, negotiating with an insurance company can be a complex and daunting task. It requires knowledge of personal injury law, insurance policies, and negotiation skills. If you're not comfortable with this, you should consider hiring a personal injury attorney who specializes in Uber accidents.

A qualified attorney, like Stephen Thompson, can bolster your chances of securing a fair claim. Not only will they possess a sound understanding of your rights and the applicable Alabama laws, but they can also investigate your case, gather the necessary evidence, and build a solid case to stand against the insurance companies. A knowledgeable attorney can also advise you on the true value of your claim, hence eliminating the risk of accepting a lowball settlement.

When negotiations fail, you have the courthouse as the final recourse. Taking your case to court should be the last resort as it's a longer, more costly route. Plus, court rulings can be unpredictable. However, a skilled personal injury attorney can steer your case skillfully, ensuring the courts see and understand your perspective.


The aftermath of an Uber accident can indeed be chaotic and confusing, with financial constraints only adding to this ordeal. An insufficient insurance settlement further exacerbates this struggle. If you're in this situation, remember that Alabama law empowers you to seek fair compensation.

Don't worry if the insurance company offers you a settlement that doesn't cover your expenses. Understand your rights, know how to respond, and engage the professional services of experienced Alabama attorney Stephen Thompson, if needed. Navigating the roads after an accident can be as challenging as the accident itself, but with the right tools and guidance, you can ensure a smoother journey towards securing your rightful compensation.

Remember, legal assistance can present itself as an incredible defense in these demanding times. Whether resolutely negotiating with the insurance company or presenting a robust case in court, having the likes of Stephen Thompson, specialized in personal injury law in Alabama, by your side can substantially alter the outcome of your claim.

Free Initial Strategy Session

All Initial Strategy Sessions are Free. If you would like to discuss your options, you are invited to fill out one of the Contact Forms. I will attempt to contact you if I think I can help you.

During your Initial Strategy Session, I will asist you in creating a strategy on how to best pursue your claim, whether it be the result of a Car Accident Claim, 18 Wheeler Injury, or, Alabama Workers' Compensation Claim. At your Initial Strategy Session, you will receive the following:

  • First - I will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information that you provide, I will give you my best advice on both what claims you have, and the next steps you should consider to proceed with your claim(s).
  • If your claim is something that I think I can help you with, I will explain the services that I can provide for you, and what the next steps are that we should take. We will start working immediately.
  • If your matter is something that I do not think I can help you with, then I will attempt to put you in contact with another lawyer that might be able to help you.
  • Either way, what should happen is we will put to rest some of the unkowns that you may be experiencing. We will start to shed some light on what you can expect, and how to best pursue the benefits you deserve.

Don't delay getting the recovery you deserve! Contact us today for your free Strategy Session!

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