Uber offers insurance for its drivers and anyone they get in an accident with—but only in certain situations.
Here are the parameters for when Uber’s liability insurance may be available:
- If the driver is offline: Uber does not offer liability insurance coverage in this instance. The only coverage he or she likely has is from personal auto insurance.
- If the driver is logged into the Uber app: If the driver is logged into Uber, but there are no passengers in their car, Uber’s insurance will provide coverage up to $50,000 for injury and $25,000 for property damage. This is designed as secondary coverage when the driver’s personal insurance is not enough to cover the damages.
- If the driver has accepted a ride request or has a passenger in their vehicle: In this case, Uber’s $1 million liability insurance policy is available for people hurt in accidents caused by their drivers. Uber also provides comprehensive and collision insurance and $1 million for uninsured motorist injury coverage.
An Uber accident attorney can help you navigate liability issues. In many cases, both the Uber driver’s personal insurance and Uber’s liability coverage may be responsible for paying compensation for damages you have suffered. Get in touch with Brauns Law Accident Injury Lawyers, PC now to discover what claims you may file for compensation.
