Ridesharing has become an increasingly popular mode of transportation, with Uber being one of the most widely used platforms. While these services offer convenience and affordability, accidents can still happen. If you are involved in an Uber accident, it is important to know who is responsible for paying for damages.

Put together by a Douglasville Uber accident lawyer, this article discusses the role of insurance in Uber accidents.

Uber’s Insurance Policy

Uber provides insurance coverage for their drivers and passengers in the event of an accident. The coverage varies depending on the stage of the ride. When the driver is not logged into the app, they are covered by their personal auto insurance. However, when the driver is logged in but has not yet accepted a ride, Uber provides liability coverage up to $50,000 per person and $100,000 per accident, as well as $25,000 for property damage.

Driver Accepts a Ride

Once the driver accepts a ride, Uber’s insurance coverage increases. The liability coverage increases to $1 million for both bodily injury and property damage. This coverage applies to both the driver and any passengers in the car.

Third-Party Claims

In some cases, a third party may be involved in an Uber accident, such as a pedestrian or another driver. In these cases, Uber’s liability coverage will apply if the Uber driver is at fault for the accident. If the other driver is at fault, their insurance will be responsible for the damages.

Uninsured or Underinsured Motorist Coverage

Uber also provides uninsured or underinsured motorist coverage for their drivers and passengers. This coverage applies if the at-fault driver does not have enough insurance to cover the damages or if they do not have insurance at all.

Filing a Claim

If you are involved in an Uber accident, it is important to seek medical attention if needed and report the accident to Uber as soon as possible. You should also gather any evidence, such as photos of the accident scene and witness statements. You can then file a claim with Uber’s insurance company. However, it is important to note that dealing with insurance companies can be complex, and it is recommended to seek the advice of a Uber accident lawyer.

Other Factors

There are other factors that can affect insurance coverage in Uber accidents. For example, if the driver was under the influence of drugs or alcohol at the time of the accident, their insurance coverage may be voided. Additionally, if the driver was using their personal vehicle for commercial purposes without disclosing this to their insurance company, their coverage may also be affected.

Uber provides insurance coverage for their drivers and passengers in the event of an accident. The coverage varies depending on the stage of the ride, and it is important to understand the coverage and how to file a claim. However, dealing with insurance companies can be complex, and it is recommended to seek the advice of an Uber accident lawyer. They can help you navigate the legal process and ensure that your rights are protected.