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.
Driver and Passenger Looking At Map

Uber Coverage Before A Trip

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 Coverage During A Trip

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.

Personal Uninsured Motorist Coverage

Although Uber provides liability insurance for drivers and passengers, the ride-sharing company can, in fact, deny liability for accidents and sometimes even argue that their driver was not at fault.

If you report an accident to Uber, the company will conduct its own investigation to determine whether to settle your claim. Like other companies, Uber and its insurance provider will likely fight a claim as much as possible.

If Uber denies responsibility and places the blame on the driver, collecting compensation from the driver can be difficult unless the at-fault driver has a commercial auto insurance policy or a ridesharing policy.

Many drivers only have personal auto insurance policies. However, these policies generally do not cover injuries that result from accidents that occur while the driver is working.

In this case, your attorney might advise you to make an uninsured or underinsured motorist coverage claim under your personal insurance policy. This can be useful if the at-fault Uber driver is underinsured and you were a passenger in their vehicle when the accident occurred. The window of time to make an uninsured or underinsured motorist claim is limited, so you should make the claims as soon as possible.

While ride-sharing services offer great convenience, matters could become complicated fast in the event of an accident. If you are hurt in an Uber accident, you may be entitled to compensation for medical expenses, lost wages, and emotional distress. A personal injury attorney can be invaluable in helping you to get the reparation you deserve.

At the Law Offices of Wells and McElwee, P.C., we have the experience and expertise to handle the most complex auto accident cases. If you have been involved in an Uber accident, call us today for help in getting your rightful compensation.