With loads of daily rides, Uber has transformed transportation in the US and worldwide. Yet, alongside its convenience, the ever-growing network of Ubers brings a sobering reality: the possibility of accidents. While the safety of these rides is generally high, an unfortunate incident can leave passengers, drivers, and bystanders confused and unsure of how to handle the situation and make a claim.
News stories swirl with conflicting information, leaving everyone wondering: Does Uber cover accidents? Who is protected? And how do I get the compensation I deserve?
This blog cuts through the noise, acting as your guide for understanding Uber’s accident coverage and navigating the claims process. Whether you’re a frequent Uber rider, a dedicated driver, or simply concerned about safety, this blog equips you with the knowledge to face an unfortunate event confidently.
Understanding Uber’s Insurance Policies
Uber navigates the complex world of accidents with a multi-layered insurance approach, shielding drivers, passengers, and third parties under specific circumstances. Let’s dissect these layers to understand your protection:
Third-Party Liability Insurance for Drivers at Fault (up to $1 million)
Suppose you’re a driver involved in an accident while on duty (online) and at fault. Uber’s insurance kicks in that case, providing up to $1 million in coverage for bodily injury and property damage to third parties (e.g., the other driver, passengers, and pedestrians). Remember, this cover only applies while you’re actively engaged in an Uber trip (searching for passengers, on a trip, or dropping off).
Uninsured/Underinsured Motorist Coverage for All Occupants
Uber offers uninsured/underinsured motorist (UM/UIM) coverage for drivers and passengers. This protects both involved parties if the at-fault driver lacks insurance to cover their injuries or damages. The coverage limits mirror the third-party liability insurance ($1 million for bodily injury and $250,000 for property damage).
Optional Injury Protection for Drivers (Additional Medical & Income Coverage)
Injury Protection provides drivers with additional coverage for medical expenses and lost income due to injuries sustained in an accident, regardless of fault. The specifics of this coverage vary by location, so be sure to check your Uber app for details and options.
Limitations to Know
No shield is infallible, and Uber’s insurance has its limitations. Be aware of these scenarios where coverage might not apply:
- Driver is not logged in: Uber’s insurance won’t be activated if you’re involved in an accident while the app is off. Your car insurance will handle the situation.
- Personal car accidents: Uber’s insurance only covers accidents during authorized Uber trips. Your private car insurance will be responsible if you cause an accident while using your car for personal errands.
- Intentional acts: Coverage excludes accidents caused by a driver’s deliberate misconduct (e.g., driving under the influence).
Who is Covered under Uber’s Insurance?
Let’s shed light on this crucial aspect, ensuring you understand your protection based on your role:
Drivers: Your coverage ebbs and flows with your Uber status:
- Online with Passenger: This is the golden zone. You’re fully covered by Uber’s third-party liability and UM/UIM policies, regardless of who’s at fault. So, take a sigh of relief knowing you and your passenger are shielded if an unfortunate incident occurs.
- Actively Seeking: Even while searching for riders, you have partial protection. Uber’s third-party liability kicks in if you are involved in an accident, covering damage to other vehicles and property. However, UM/UIM coverage is only active once you have a passenger onboard.
- Offline: When the app is off, your car insurance takes the wheel. Remember, Uber’s insurance doesn’t extend to personal errands or commutes.
Passengers
You’re always entitled to the complete safety net under Uber’s insurance, irrespective of fault or driver status. Whether on a solo trip or sharing the ride, Uber’s third-party liability and UM/UIM policies guarantee coverage for your injuries and damages if the driver is at fault.
Third-Parties
Those not in the Uber car aren’t snubbed either. Suppose an Uber driver (at fault while online) causes an accident involving pedestrians, cyclists, or other vehicles. In that case, those individuals are also covered by the same third-party liability and UM/UIM policies as passengers.
Steps to Take After an Uber Accident
After an Uber accident, it might be difficult to know what to do. You will have questions like “Can you sue Uber for an accident?” To get the compensation you rightfully deserve, follow these steps:
Reporting the Accident
Check everyone’s safety and, if needed, contact 911 immediately after the accident. Then, promptly notify Uber through the app’s “Help” section. This triggers internal notifications and helps them gather information. Remember to file a police report, even for minor incidents. This official documentation becomes crucial evidence later.
Gathering Evidence
The more thorough your documentation, the stronger your claim. Take photos of the accident scene, damage to all vehicles involved, and any visible injuries. Gather witness contact information if anyone saw the incident. Keep all medical bills and records related to your injuries and receipts for any necessary expenses incurred due to the accident.
Filing a Claim
Contact Uber insurance through the app or by calling the dedicated support line. Provide all the details you’ve gathered, including police report and witness information. Be honest and factual, avoiding speculation or assigning blame. The insurance company will assign a claims adjuster to investigate your case. Cooperate with their inquiry and be patient; the process can take time.
Seeking Legal Assistance – How Accident Defenders Help You
Consider seeking legal counsel for complex cases with significant injuries involving uninsured drivers or if you disagree with the proposed Uber settlement. Our experienced Uber accident attorneys at Accident Defenders are here to help you claim the compensation you deserve. From dealing with insurance companies to representing you in court, we will handle everything and make justice accessible!