Ride-sharing services have become very popular in Georgia, like in most other states. However, if you have been injured while riding in an Uber, you may have no idea whose insurance should cover the damage.
Following a ride-share accident, the applicable insurance will depend on several factors, such as who was at fault and the timing of the accident. If you or a loved one are involved in an Uber accident, you should get in touch with an experienced auto accident lawyer.
Read on to learn more about insurance and Uber accidents.
Drivers are not Uber employees, but the company does provide liability insurance for its contracted drivers.
If the driver is available to accept trips but has not yet accepted one and no passengers are in the vehicle, the driver’s auto coverage will cover for the expenses arising from an accident. Uber’s liability insurance will only act as supplementary coverage for the driver in the event of an accident.
In particular, if the driver’s own personal auto coverage is inadequate, the driver can make a claim of up to $50,000 for bodily injury and up to $100,000 per accident, and $25,000 in property damages.
Uber provides additional coverage when a driver accepts a trip and the passenger gets into the car. If the driver is at fault in an accident, Uber provides liability insurance for $1 million.
This means that if you are injured and the driver’s own insurance policy is unable to cover your medical expenses, as is often the case, Uber’s $1 million liability insurance will cover for these expenses.
If another motorist causes the accident while you are a passenger in an Uber, Uber also offers $1 million in uninsured motorist coverage. This is important in the event that the motorist who caused the accident does not have any insurance to pay for the damages or injuries caused to the passenger or driver.