If you’ve been in an accident involving an Uber—whether as a passenger, driver, pedestrian, or in another vehicle—you might be wondering, Who’s responsible for covering the damages? The short answer: Liability typically hinges on who caused the crash and whether the Uber driver was actively logged into the app.
If you are unsure, a Charleston rideshare accident lawyer will help you understand how liability might work in your case. In the meantime, here’s a breakdown of how Uber’s insurance policy works and when it may cover damages after an accident.
How Uber’s Insurance Policy Works
Uber provides insurance coverage for its drivers, but the level of coverage depends on the driver’s status at the time of the accident. Here are the three key scenarios:
1. The Uber Driver Is Offline
When the Uber driver is not logged into the app or actively working, they are considered off-duty. In this case:
- Uber’s Insurance Does Not Apply.
- The driver’s own auto insurance policy is responsible for covering any damages.
2. The Uber Driver Is Online and Waiting for a Ride Request
If the driver is logged into the Uber app but has not accepted a ride request yet, Uber offers limited insurance coverage:
- Liability Insurance:
- $50,000 bodily injury/ per person
- $100,000 bodily injury/ per accident
- $25,000 property damage/ per accident
This coverage applies only if the driver’s own auto insurance does not cover the damages.
3. The Uber Driver Is En Route to Pick Up a Passenger or Has a Passenger in the Vehicle
If the Uber driver is actively transporting a passenger or on the way to pick one up, Uber’s $1 million insurance policy applies:
- Liability Coverage: Covers bodily injury and property damage caused by the Uber driver.
- Uninsured/Underinsured Motorist Coverage: Protects passengers if another driver causes the accident but doesn’t have adequate insurance.
- Contingent Collision and Comprehensive Coverage: Covers damage to the Uber driver’s vehicle, but only if they have collision/comprehensive coverage on their personal policy. A deductible of $2,500 typically applies.
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What If You’re a Passenger in an Uber Accident?
As a passenger, you are almost always covered if you’re injured in an Uber accident. Here’s how it works:
- If the Uber driver caused the accident, Uber’s $1 million liability insurance will cover your injuries.
- If another driver caused the accident, their insurance should cover your injuries. If they are uninsured or underinsured, Uber’s uninsured/underinsured motorist coverage will apply.
It’s important to note that passengers can also file a personal injury claim to seek compensation for medical expenses, lost wages, and pain and suffering. A Charleston car accident lawyer can build your case.
What If You’re in Another Car and Hit by an Uber Driver?
If you’re driving another vehicle and an Uber driver hits you, whether Uber pays for damages depends on the driver’s status:
- Offline: The driver’s private auto insurance applies.
- Online, Waiting for a Ride Request: Uber’s limited liability policy may cover damages if the driver’s insurance doesn’t.
- En Route or Transporting Passengers: Uber’s $1 million policy will cover bodily injury and property damage.
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What If You’re a Pedestrian or Cyclist Hit by an Uber?
If you’re a pedestrian or cyclist and an Uber driver hits you, the same insurance rules apply based on the driver’s status:
- Offline: The driver’s personal insurance applies.
- Online, No Ride Accepted: Uber’s limited liability coverage may apply.
- En Route or Transporting Passengers: Uber’s $1 million insurance policy should apply.
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Challenges When Filing a Claim Against Uber
While Uber provides substantial insurance coverage to pay damages after an accident, pursuing a claim isn’t always straightforward. Some common challenges include:
- Insurance Disputes: Determining fault and navigating the policies of Uber, the driver, and any other involved parties can be complicated.
- Delays in Compensation: Uber’s insurance providers may take time to investigate and process claims.
- Proving Losses: You’ll need to provide evidence of your injuries and damages, such as medical records, repair estimates, and proof of lost wages.
What Should You Do After an Uber Accident?
To safeguard your rights and strengthen your claim, follow these steps:
- Get Medical Care: Your health comes first, so seek treatment promptly and keep records of any injuries.
- Report the Incident: File a police report. If you were a passenger, make sure to report the crash to Uber using the app.
- Collect Evidence: Document the accident by taking photos of the vehicles, the scene, and any visible injuries. Gather contact details from all drivers and any witnesses.
- Consult a Lawyer: A Charleston personal injury lawyer can help protect your rights and walk you through each step of the process.
Learn If Uber Can Pay Your Damages After An Accident
Uber’s insurance coverage can provide substantial protection after an accident, but determining who pays compensatory damages—and how much—depends on the circumstances.
Whether you’re a passenger, pedestrian, or in another vehicle, understanding your rights and taking the proper steps can make all the difference in securing the compensation you need to recover.
If you’ve been involved in an Uber accident and need help figuring out your next steps, reach out to MDSW, The Thumbs Up Guys for a free consultation.
Call or text (843) 380-8350 or complete a Free Case Evaluation form
