Uber and other rideshare services add tremendous comfort and convenience, and no one thinks about getting hurt using them.
But bad things happen occasionally—and unexpectedly. You can be hurt without warning by a traffic collision involving a rideshare vehicle. Even if it’s not the Uber driver’s fault, you need to know how your case works.
Here’s the most important, basic stuff about your Uber car accident case.
First Things First: Uber Insurance Coverage for Car Accidents
The most important question for injury victims or families who suffer wrongful death in a fatal accident is this one: What insurance covers an Uber accident?
Here’s how Uber covers its drivers as of March 1, 2018:
- If the driver’s Uber app is off, he’s offline. Only the driver’s personal insurance applies.
- If the driver’s Uber app is on but the driver has no passengers and is not on the way to get them, Uber’s coverage is a maximum of: $50,000 for any one victim, $100,000 for the whole crash, and $25,000 for property damage.
- If the Uber driver is carrying passengers or is on the way to get them, coverage is up to $1,000,000 for crashes caused by the Uber driver. And if the auto accident is not the Uber driver’s fault, there’s good news for victims: If the at-fault driver’s insurance isn’t enough to pay for your injuries or loss of a loved one, Uber provides a maximum of $1,000,000 extra coverage, called underinsurance.
- While riding with Uber, if you’re a victim of a hit and run or an at-fault driver with no insurance, Uber provides up to $1,000,000 uninsured coverage for injuries or wrongful death.
Your case may be further complicated by other insurance coverage from other drivers’ policies—including your own.
And That’s Only the Tip of the Iceberg
That’s only the beginning of issues you’ve got to contend with in your case. For more free info about your case, a good starting point is our car crash home page. Or you can download our FREE REPORT on South Carolina car crash cases. As always, if you’ve got specific questions, fill out our Get Help Now form on this page or just call 888-230-1841 to speak to an experienced auto accident attorney.