When Uber, Lyft, and other rideshare companies first came on the scene, there was a lot of confusion about how drivers needed to handle insurance, what their insurance policies would cover, and which policy paid for injuries to passengers. All too often, the driver’s liability policy refused to pay out when the driver caused an accident because they were using their personal vehicle for ridesharing.
Thankfully, most states now require rideshare companies to provide insurance for rideshare drivers. The insurance coverage generally includes contingency coverage when the driver is ready to accept rides but is not yet matched with a rider, and third-party liability coverage once they match with a rider and after they pick up a passenger. An Uber accident lawyer knows how Uber’s policy works and how to recover compensation for passengers in accidents.
Uber Has a $1 Million Policy to Cover Passenger Injuries
According to Uber, all drivers have insurance coverage that kicks in when they are en route to pick up a rider and during a trip when they have a passenger in the car. This policy provides $1 million in liability coverage per covered accident.
This $1 million will provide coverage for the injured rideshare passenger as well as any occupants of other vehicles who suffer injuries if the Uber driver causes an accident. Coverage could include:
- Medical care costs;
- Ongoing care;
- Lost wages;
- Out-of-pocket costs; and
- Other related expenses
Uber also provides uninsured/underinsured motorist bodily injury coverage that can kick in if another motorist caused the accident but does not have adequate insurance coverage to pay for the rideshare passenger’s care. Uber providing uninsured/underinsured coverage ensures all rideshare passengers have at least $1 million in coverage no matter who causes the accident or whether or not they have insurance.
Uber Provides Contingent Coverage Any Time a Driver Is on the App
In the past, it was an issue for Uber drivers when an accident occurred while they were “on the app” and waiting for a ride request. Too often, the driver’s auto insurance company refused to provide coverage because they were using their car for ridesharing and that violated the terms of their policy. However, the Uber policy did not provide coverage for them because they were not yet matched with a rider.
Now, this issue has an answer. Uber provides liability auto insurance coverage that will kick in if your personal auto insurance policy refuses to pay out. This policy covers injuries and property damage suffered by drivers and passengers of other vehicles in an accident caused by the Uber driver.
Called contingent coverage because it offers a contingency plan when there is no other insurance available, Uber’s policy kicks in only when the driver’s personal policy will not. It provides:
- $50,000 in bodily injury per person injured in the accident
- $100,000 in bodily injury per accident for all victims
- $25,000 in property damage per accident
It is also worth noting that the driver’s personal insurance company and the policy the Uber driver carries with that provider should cover accidents that occur when the driver is “off the app” or otherwise not available for rideshare rides.
Insurance Coverage and Navigating Your Claim After an Uber Accident Is Not Always Easy
Our Fort Lauderdale personal injury attorneys understand how to file a claim and demand the compensation you deserve for your Uber accident injuries as a passenger in a Florida rideshare accident. We can help you pursue a payout in your rideshare accident case. Our team can take on even the most complex car accident cases. Uber and Lyft accident cases can be notoriously difficult to navigate, but an Uber accident lawyer will pursue damages on your behalf that include:
- Medical care costs;
- Ongoing care and future care;
- Repair or replacement of damaged personal property;
- Lost wages and benefits;
- Diminished earning capacity;
- Pain and suffering damages; and
- Mental anguish.
Many drivers work for both Uber and other rideshare companies such as Lyft. It is imperative to know whether they were on the app or not and who your ride was through at the time of the accident. Both companies provide similar insurance coverage, but we need to build our case and file a claim with the correct insurer.
Let us handle the process of pursuing the payout you need and deserve. We can take on your legal case while you focus on healing from your physical wounds. We will investigate the accident, prove fault and liability, and aggressively pursue a fair settlement based on the severity and nature of your losses. If we do not believe the settlement offers compensate you for your damages, we will not hesitate to take your case to court.
Talk to an Uber Accident Lawyer About Your South Florida Accident Today
If you or a member of your family suffered injuries while riding as a passenger in an Uber, Lyft, or another rideshare, you may be able to file an insurance claim based on a $1 million policy provided by the rideshare company. The attorneys from the Law Offices of Wolf & Pravato can review your case for free and ensure you understand your legal rights and options before we take any action on your behalf.
Our caring and attentive staff are responsive to your needs and will answer any questions or concerns you have. We can pursue the payout you need and deserve after a rideshare accident. Let us get started on your case today. Call 954-633-8270 to discuss your accident with a member of your team. We can take on your case at no out-of-pocket cost to you.