Uber is a major rideshare company, and it has major insurance coverage for its drivers, passengers, and others involved in an accident. Read on for one critical thing to know about Uber insurance coverage.
Dealing with an insurance company after you have been in a car accident is never a pleasant experience. When the insurance company represents a large corporation like Uber, you can bet that your voice is not going to be heard, especially if your accident happened while the Uber driver was not logged into the app or even if they did not have a passenger.
The way Uber promotes its $1 million insurance coverage, you might think that your injuries and property damage will be covered no matter what.
The truth?
You May Not Be Covered
Uber’s insurance coverage for those injured by one of their drivers depends on what the driver was doing at the time of the accident. Your injuries may be covered under a different policy, but you may not be entitled to file a claim against the $1 million Uber insurance policy.
What Was the Driver Doing at the Time of the Accident?
Uber drivers use their personal vehicles to drive for the rideshare company, which means that they also use that vehicle for personal reasons. The insurance coverage that you are entitled to file a claim against depends on whether the driver was logged into the app and whether they had a passenger at the time of your accident.
If they had a passenger and were in the middle of a ride, you should be able to file a claim against the $1 million policy. If they did not have a passenger but they were logged in and available to drive, you may be able to file a claim against a separate policy, which covers up to $50,000 per injury ($100,000 maximum) and $25,000 in property damage.
However, this coverage is only available after the driver has requested it because their liability coverage does not cover all of the damages.
If the driver was not logged in or available for to drive any passengers, you will need to file a claim against their personal insurance.
What to Do If Your Uber Insurance Claim Is Denied
It is possible that even if you qualify for coverage that Uber’s insurance may deny your claim. At that point, you should find a good attorney who has experience with Uber insurance claims.
Have You Been in an Accident with an Uber Driver? Talk to Pacin Levine, P.A., Today.
If you are in an accident with an Uber driver, you are going to need help from an experienced attorney. At Pacin Levine, P.A., we have the expertise you need to get the settlement you need and deserve.
Are you ready to pursue your case? Contact us today and set up an appointment to speak to an attorney. Call us at 1-800-24-7-CRASH or write to us at [email protected].
