My vehicle was totaled in an accident and the other driver is at fault. I’m an Uber driver and was working at the time so the claim went through uber’s Insurer. It doesn’t look I’m going to get adequate compensation for the loss(enough to cover at least the loan). Can I switch to the other driver’s insurer? Or can I negotiate with the other driver’s insurer even though the claim has started with uber’s Insurer?
The general answer to your question is that you may be able to get property damage coverage from more than one of the insurers involved here. To answer your question specifically, I need to know more because there are a few things to look at with the various insurance policies and with who was at fault for the collision.
The way insurance works is that there is "primary" and "secondary" coverage. Generally, what I advise my clients to do is to put every insurer on notice and let them figure out who is on the risk (just make sure everyone knows you are doing this so you don't get accused of double-dipping).
As for the valuation of the loss, it may not matter which insurance company is involved. You are entitled to be compensated for the value of the vehicle at the time of the loss. So, if the loan is more than the car is worth (a very common occurrence) then check to see if you have "gap" insurance, which is made for just this purpose.
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