Uber Accidents

It depends on the facts. Liability may fall on the Uber driver, another driver, or multiple parties. The key issue is what the Uber driver was doing in the app at the time (waiting, en route, or carrying a passenger), because that determines which insurance policy applies.

Yes, but it’s conditional. Uber maintains commercial coverage that may apply when a driver is active in the app. There are different coverage tiers depending on the driver’s status, and those layers can overlap with the driver’s personal policy. Here’s how that typically breaks down: App off: Only the driver’s personal auto insurance policy applies. App on, waiting for a ride request: Limited liability coverage, often up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage. Ride accepted or passenger onboard: Full commercial coverage in place, generally up to $1 million in liability, along with uninsured/underinsured motorist protection.

In most cases, Uber classifies drivers as independent contractors, which can limit the ability to file direct claims against the company. That said, there are situations where corporate liability may come into play, depending on the facts of the case. At The Popok Firm, our affiliated attorneys evaluate every angle before deciding how to proceed.

You may be entitled to compensation for medical expenses, lost income, reduced earning capacity, property damage, and pain and suffering. In some cases, additional damages may apply depending on the severity of the conduct and the impact on your life.