South Florida Injury Attorneys Blog
So you’ve decided to make some extra cash driving for Uber in your spare time. Great idea. The flexibility and convenience can’t be beat. But have you considered what happens if you get into an accident while driving for Uber?
After all, you’re using your car, so who’s responsible if something goes wrong? The good news is Uber does provide some insurance coverage for drivers. The details can be a bit complicated, though.
As an Uber driver, you need to understand exactly what’s covered and not so you’re not left footing the bill if there’s an accident. Keep reading to get the full scoop on Uber’s insurance policy, and make sure you’re protected in case of any fender benders or worse while driving on the job.
Uber’s Insurance Policies
As an Uber rider or driver, you probably have questions about insurance coverage in the event of an accident. Uber’s insurance policies aim to provide coverage during the different stages of your trip, but there are some gaps to be aware of.
Uber provides limited liability coverage when a driver has the app on but hasn’t accepted a ride request yet. This means you’d have coverage for damage to other vehicles or property but not your car. Once a driver accepts a ride request, coverage increases to include collision and comprehensive coverage for the driver’s vehicle.
Uber’s $1 million commercial insurance policy is in effect during the actual ride. This covers injuries, vehicle damage, and other losses for riders, drivers, and third parties. But be aware there are exceptions like cash, jewelry, or electronics left in the vehicle.
After the ride ends and the driver’s still waiting for another request, the limited liability coverage applies again. The takeaway? Ensure you understand the specifics of Uber’s policies and check with your auto insurance provider about potential gaps. Your safety and protection should be top of mind when using ridesharing services.
Trip Period
Once a customer has requested an Uber ride and been matched with you, the trip period coverage kicks in. This “trip period” starts when you accept a ride request and continues until the trip has ended in the app.
During active trips, Uber provides third-party liability insurance up to $1 million. This means if there’s an accident determined to be the driver’s fault, this coverage can help pay for injuries to passengers, damage to other vehicles, and more. Uber also provides uninsured/underinsured motorist coverage up to $1 million. So if an uninsured driver hits your Uber, you can claim this policy.
It’s important to note that Uber’s insurance only covers the driver’s liability during active trips. It does not provide coverage for the driver’s vehicle or injuries. Drivers are required to carry their auto insurance for that. Also, coverage may differ in some areas, so check with Uber for the details in your city or state.
Once your trip has ended in the app, your insurance takes over again. But during that trip period when you’ve got places to go, you can rest assured knowing there’s coverage in place in case the unthinkable happens. After all, getting where you need to go safely is what matters.
Between Trips
Between trips, while you’re logged in and waiting for your next rider request, your auto insurance is still primarily responsible for any accidents. Uber’s contingent liability coverage only applies during an active trip with a rider in your vehicle.
Personal Auto Insurance Still Applies
When you’re online but not on an active trip, you’re considered “available” but not working. Your auto insurance policy that you hold independently will cover any accidents during this in-between time. Ensure you understand the details of your auto insurance policy and that you have adequate coverage for the driving you do for Uber.
- Bodily injury liability covers medical bills for people injured in an accident you cause.
- Property damage liability covers repair costs for vehicles and property you damage.
- Comprehensive and collision cover damage to your vehicle.
No Coverage from Uber
Uber’s insurance policy does not provide coverage while you’re logged in and waiting for a request. Their contingent liability coverage only applies during an active trip when you have accepted a rider request and have a passenger in your vehicle.
- No comprehensive, collision, or liability coverage.
- You are responsible for all costs if you are in an accident while “available.”
- Ensure you have proper coverage limits on your auto policy.
Check Local Regulations
In some locations, Uber may provide additional coverage for drivers during this in-between time or require higher coverage limits. Check with Uber and your local transportation authority to understand the specific insurance requirements in your city or state.
As an independent contractor, it’s ultimately up to you to ensure you have sufficient auto insurance for your driving activities. When in doubt, speak to an insurance agent about a policy that covers you fully as an Uber driver.
Accidents Involving Third Parties
Insurance coverage can get complicated if an accident occurs while riding in an Uber involving another vehicle or pedestrian. As a driver, here are some things you need to know:
Liability Coverage
Uber provides $1 million in liability coverage if an accident causes injuries or property damage to third parties. If an Uber you’re riding in hits another car or pedestrian, the other party’s medical bills, vehicle repairs, and other costs will be covered up to $1 million.
Uninsured/Underinsured Motorist Coverage
In some states, Uber also provides uninsured/underinsured motorist coverage for accidents caused by other drivers who lack sufficient insurance. This can help cover your medical bills if the at-fault driver’s coverage isn’t enough. Check with Uber and your state’s requirements to confirm if this applies in your area.
Reporting the Accident
If an accident occurs, report it to Uber immediately through the app or by calling their 24/7 critical response line. Provide details about the incident, including time, location, and injuries. Uber will investigate faults and work with insurance providers to handle claims.
You should also report the accident to your auto insurance company, especially if you have ridesharing coverage. They may be able to assist with medical claim filings or other issues.
Have you Been involved in an Uber Accident? Contact a Miami Car Accident Lawyer
If you’ve been in an accident while riding in an Uber, you may be wondering who’s responsible for damages and medical bills. The answer depends on several factors, but the most important thing is to get the help you need.
Your best option is to contact an experienced Miami car accident lawyer as soon as possible after an Uber accident. They can investigate the details of your accident and determine who is at fault, whether it’s the Uber driver, another driver, or a combination. Uber’s insurance policies can be complicated, but a good lawyer will fight to get you the maximum compensation for your injuries and other losses.
Even if Uber’s insurance covers some costs, you should speak to an experienced accident lawyer regarding your legal options. They can determine if you’re entitled to further compensation for pain and suffering, lost wages, or long-term care.
Lawyers like Frankl Kominsky serving Miami, Florida, have experience dealing with Uber accidents and insurance claims. They offer free case evaluations and work on contingency, so you pay nothing upfront.