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Rideshare Accidents: What Will Uber’s Insurance Policy Cover?

  • How convenient has Uber made life for all of us? It’s so nice to be able to whip out your phone and get a ride within a few minutes. Whatever your reason for needing an Uber, there’s no denying that this service is great. However, Ubers are driven by people, and people often make careless mistakes that can cause others great harm.

    If your Uber driver caused you to be injured in an accident, you are probably wondering what you can do about it. Can you sue Uber for the crash? Yes, in some cases, Uber could be liable for your accident, but not in every situation.

    Who Is Liable for a Rideshare Accident?

    In most auto accidents, the person who caused the accident is the one who is liable for it. For instance, if your Uber driver caused the collision, they should pay for your damages. Uber drivers are required to carry vehicle insurance at all times, and their insurer should compensate you for any injuries and losses sustained.

    However, there are occasions when Uber could be financially liable for your accident. For example, if your injuries are serious, your damages could be greater than the driver’s insurance policy’s limits. So, if your damages can’t be covered by the driver’s insurance, then you might be able to use Uber’s insurance coverage.

    There are other instances when Uber could be required to pay for your crash.

    When Could Uber Be Required to Pay for a Vehicle Collision?

    Uber could be liable if it somehow played a role in your accident. 

    For instance, if the company of Uber partnered with a driver who wasn’t insured or who had a history of reckless driving behavior, Uber could be liable. Hiring that driver would be poor judgment on Uber’s part. Many states have laws that require Uber to partner only with those who have a safe driving history. 

    How Much Will Uber’s Policy Cover?

    The company of Uber has an insurance policy that is designed to help cover injuries and damages when its drivers are to blame for an accident. If the Uber driver has the app on and is waiting for a ride request, the company will provide third-party coverage of $50,000 for injury to one person; $100,000 for one accident; and $25,000 for property damage per accident. 

    If the Uber driver is en route to pick up a rider or is in the middle of a trip, Uber has third-party coverage of up to $1 million.

    Get in Contact with a Rideshare Injury Attorney

    If you’ve been harmed in an Uber-involved accident, you may have options for recovering financial compensation. Your damages add up quickly, and you shouldn’t have to pay for them when you didn’t cause the crash.

    Connect with a Houston car accident lawyer at Crain Lewis Brogdon, LLP to talk about your claim goals and options. Dial 214-522-9404 to receive a free case analysis. You can also head over to our website where you can find more information on suing for a vehicle collision.