Does Uber Provide Insurance Coverage for Their Drivers?
Yes, Uber does provide insurance coverage for their drivers. The amount of insurance coverage that they offer depends on the status of the driver’s application.
If the driver is offline or the app is off, the driver’s personal insurance coverage will apply.
If the driver is online or waiting for a ride request, the following insurance coverage applies:
- $50,000 in bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
If the driver is en route to a passenger or has a passenger on board, the following coverage applies:
- $1,000,000 third-party liability
Uber also offers the same insurance coverage for parties who make deliveries. If you’re hit by someone delivering for Uber Eats, they’ll have similar insurance coverage based on whether or not they’re waiting for a delivery request or completing a delivery.
It’s important to know the status of the driver’s app because it can greatly affect the compensation that you receive. For example, if their application is offline, you’ll file a claim against the driver’s personal insurance. If the app is online, you’d file a claim against their personal insurance or uber, depending on their coverage.
Even smaller details, like whether they had a passenger on board, can affect your case. This is because of the amount of coverage Uber offers, and unfortunately, you can only receive as much compensation as the at-fault party’s coverage offers.
Types of Uber Accidents
There are a few different types of accidents that can occur involving Uber. The type of accident you’re involved in can greatly impact your lawsuit. An experienced Uber attorney will be able to easily determine your accident type and put together a strong evidence-based claim. Then, they’ll help you file a claim against the correct party so you can receive compensation.
Types of Uber accidents include:
- You were involved in an accident with an Uber driver, and they were at fault
- You were the passenger in an Uber accident, and the Uber driver was at fault
- You were the passenger in an Uber accident, and the other driver was at fault
Damages You Can Recover
You can recover both economic and non-economic damages after your accident, including medical bills, lost wages, lost earning capacity, pain and suffering, emotional distress, loss of consortium, and more. Speak with an attorney here at Osborne & Francis to get a better idea of how much your settlement offer could be.
Speaking with Uber After an Accident
After you’re involved in an Uber accident, you’ll likely get a notification from Uber asking you to fill out forms, talk on the phone, or record a statement. These may seem like perfectly harmless things to do, but it’s important to act with caution.
Uber’s insurance company may try and deceive you. They’d greatly prefer that you not hire an attorney and will therefore try to get you to accept a low settlement offer as soon as possible. If they offer you money upfront, don’t take it (and don’t sign anything).
The money may seem appealing, but you have no idea how much your injuries will truly cost immediately after the accident. It’s likely that you’ll rack up more in damages than what they have to offer.