Uber Accidents and Receiving Deserved Compensation

The world of ridesharing services has simplified the lives of many, but when it comes to car accidents involving Uber drivers, things can get a little complicated and confusing. The good news is if you are hit by an Uber driver, you typically don’t have to pay anything for your medical bills, as there is generally insurance coverage available to compensate you for your injuries.

Uber Drivers Not On the Clock

If an Uber driver is not on the clock, meaning his or her app is off and the car is being used for personal purposes, the Uber company has no responsibility to cover your medical bills. The driver, as required by law, should have personal auto insurance, and that is where your coverage should come from. If he or she is uninsured or underinsured, your auto policy or personal health care insurance may cover the costs of your injuries.

Uber Drivers Waiting for a Request

The Uber company maintains auto insurance on behalf of its drivers, even when they don’t have a passenger in the car. When a driver has the app on and is available and waiting for a request, he or she may driver around waiting for a ride request. If he or she is not carrying any passengers, and is not en route to pick anyone up, Uber’s third-party liability coverage applies. This includes:

  • Per person bodily injury coverage of $50,000
  • Per accident bodily injury coverage of $100,000
  • Per accident property damage of $25,000

There may be an instance in which the driver’s personal auto insurance will cover the injuries, and your lawyer can help you determine where to file your claim.

Uber Drivers En Route or Carrying Passengers

If an Uber driver hits you while en route to pick up a passenger, or with passengers in the car, the Uber company carries the following.

  • Third-party liability of $1,000,000
  • Bodily injury coverage for uninsured/underinsured motorists
  • Contingent collision and comprehensive coverage that could reach the value of the car

Learning More About Your Case

The best way to learn more about what you are entitled to after an accident is to speak with someone representing Uber, but be sure you have a lawyer present. Uber does provide certain protections for victims of accidents, so it’s important you understand what you deserve so you can receive proper compensation. Contact a car accident lawyer, like a car accident lawyer in Sheboygan, WI, today to learn more about what you can do if you are hit by an Uber driver.

Thank you to the experts at Hickey & Turim SC for their insight into car accidents involving Uber.