How does the Uber Accident Policy work for riders?
Uber carries commercial liability insurance for its drivers. There are two levels of coverage. If the driver is transporting or picking up a passenger through the app, then the policy provides up to $1,000,000 in coverage. If the driver had the app on and was waiting for a passenger, then the Uber policy provides up to $50,000 in coverage. However, if the driver had the app off and wasn’t working through Uber, then their own insurance policy will cover the accident.
For rides, the Uber Accident Policy means that if you are hurt while riding in a Uber, your losses will be covered by Uber’s policy, up to $1,000,000. This policy will kick in if your Uber driver was responsible for the crash, or if the at-fault driver does not have enough insurance to cover your losses. Similarly, if your Uber was hit by an uninsured or hit-and-run driver, then the Uber policy will apply.
If the Uber driver had the app on but didn’t have a passenger, then the policy limit drops to $50,000. For example, if you are hit by an Uber driver who is waiting for a passenger, then the most that you can recover from Uber’s policy is $50,000. You may also be able to file a claim against the driver’s insurance personal auto insurance policy.
Finally, if the Uber driver did not have the app on when you were injured, then the Uber policy cannot be accessed. Instead, you will have to rely on the driver’s personal auto insurance policy.
These cases can be particularly complex where there are multiple insurance companies and layers of coverage. An experienced Southern California car accident attorney can investigate the case and determine who may be liable for your injuries.