The O’Hara Law Firm recently settled a lawsuit on behalf of an Uber driver that was injured in a car accident with another driver. The Uber driver underwent surgery as a result of his injuries. Uber provides insurance for drivers, passengers, and those harmed by the negligence of an Uber driver.
Uber Insurance Amounts
An Uber driver’s personal insurance will not cover any claims against an Uber driver for an accident caused by the driver while providing rideshare services. The insurance provided by Uber is the policy that provides coverage in those circumstances. Police officers routinely list the rideshare driver’s personal insurance policy on the police report, but it will not provide coverage if the driver is on duty for Uber or Lyft. The insurance provided by the rideshare company provides coverage. Different insurance policy limits are in place depending upon the status of the Uber driver.
Uber App is on and the driver is waiting for a ride request
Third-party liability coverage:
- $50,000 bodily injury per person;
- $100,000 bodily injury per accident; and
- $25,000 property damage per accident.
En route to pick up riders and during the trip
- Third-party liability coverage of $1,000,000;
- Uninsured/Underinsured motorist bodily injury coverage of $1,000,000; and
- Collision coverage up to the actual value of the vehicle minus the $2,500 deductible.
Delivery couriers have similar insurance coverage as rideshare drivers. Uber has recently changed some of the UIM insurance coverages. An Uber driver might have only $30,000 of coverage if he is injured by another uninsured driver.
Uber Passengers Injured in a Car Accident
There is a $1 million insurance policy in place to protect the harmed parties in the event that an Uber passenger is hurt. If the Uber driver is at fault, the $1 million insurance policy will be split amongst all injured people in their vehicle and those in the other vehicles. If another driver is at fault, Uber will offer $1 million in UIM coverage for all wounded passengers in that vehicle, even if the at-fault individual does not have any or enough liability insurance coverage.
If you are injured while riding in a car as an Uber or Lyft passenger, there are several things you should do. First, obtain the insurance information and driver’s license information for both the Uber driver and the other driver. There may be a disagreement regarding fault, and you will want to have information for both drivers. Second, wait until the police arrive, so there is a public record of you as a passenger in one of the cars. Third, seek medical attention promptly after the collision. Fourth, hire a personal injury attorney to represent you. A personal injury attorney can help you obtain medical treatment and make sure that you obtain full compensation for your pain and suffering, medical bills, and lost wages.
Do not settle immediately after the motor vehicle collision. The insurance adjuster may attempt to settle with an Uber passenger within days of the collision. Do not accept the offer. Once you settle, you cannot obtain additional compensation for any future medical bills or lost wages. If you take a quick settlement, you release the insurance company and at-fault driver from all future damages. Wait until you have finished all of your medical treatment and have physically recovered before settling.
The O’Hara Law Firm has successfully resolved multiple claims involving Uber drivers and Uber passengers. The O’Hara Law Firm has obtained settlements as high as the one-million-dollar insurance policy limit for rideshare drivers. If you have been injured while driving or riding in a rideshare vehicle, contact the O’Hara Law Firm.