Uber is probably the most popular transportation network company (TNC) in the world, but accidents have occurred when Uber drivers have been involved in occurrences that resulted in personal injury and wrongful death claims.

Users download the Uber app on their mobile phone, and when the elect to use Uber to transport them from one place to another, an Uber driver who is in service picks them up within minutes and transports the passenger to their destination. After a driver has accepted a match, photos of the driver, the vehicle and the license plate number are sent to the customer. Upon picking the passenger up, the driver will confirm his or her name. Payment is made by credit card.

Insurance coverage for Uber drivers

Anybody who drives for Uber is required to carry personal auto liability insurance of $50,000 per person, $100,000 per occurrence and $25,000 for property damage. A dramatic coverage change occurs once the driver turns the Uber app on.

How Much Is Your Settlement Worth?

Schedule a completely free, no obligation consultation with our team

Schedule Consultation

As soon as an Uber driver is logged into the Uber app, Uber’s insurance coverage is triggered. For a TNC like Uber, policy limits of $1 million in liability coverage and another $1 million of uninsured and underinsured motorist coverage are required under California law. If the driver isn’t in route to pick up a passenger or is not transporting a passenger, the $50,000 per person and $100,000 per occurrence coverage still applies.

What if I’m hit and injured in an accident with an Uber driver in or around Los Angeles?

You’ll need to learn whether the Uber app was turned on and whether the driver had either accepted passengers or had passengers in his or her vehicle. If none of these apply, we’d be looking at the driver’s personal liability insurance for coverage. If any one of them indeed do apply, we’d be looking at Uber’s coverage. Note that if the app was turned on, but the driver wasn’t carrying a passenger or on the way to pick up a passenger, only $50,000 per person and $100,000 per accident bodily injury coverage would likely apply.

What about when I’m a passenger in an Uber car?

If you were a passenger, and your injuries were caused by the carelessness and negligence of an Uber driver, you can make your claim directly against that driver and any other driver who might have been involved in the crash. There is a maximum of $1 million of coverage.

What happens when I’m an Uber driver and somebody else causes an accident that injures me?

If you haven’t accepted a ride or you’re not transporting anybody, you’d want to bring your injury claim against the driver of the vehicle that caused the crash and your injuries. If that person was uninsured or underinsured, you can then make your claim with your own insurer pursuant to your uninsured or underinsured motorist coverage. If you’ve accepted a ride or you’re transporting a customer, Uber’s uninsured and underinsured motorist coverage applies. A good example of this case is when a BMW slammed against a Pruis Uber driver.

Hailing an Uber driver

If you hail an Uber car from the street, it’s unlikely that Uber’s insurer will cover you in any type of accident. Remember that an Uber ride is a prearranged ride. That’s what distinguishes a TNC from a taxi company. If the accident is caused by another driver, you could certainly look to that driver’s insurer for compensation for your damages. Assuming that Uber denies your claim, and the driver who caused the crash was uninsured or underinsured, you’ll want to make such a claim with your own auto insurance company. If you don’t have uninsured or underinsured motorist coverage, you’ll likely fall through an insurance gap, and you won’t be compensated for your injuries.

Contact us today

Complicated legal issues arise when California law is coupled with the different ways that automobile liability insurance policies affect each other. Another set of complexities arises in prevailing on the personal injury claim itself. Leave all of the issues involved in your case to a knowledgeable, experienced and successful personal injury attorney from our law firm. If you’ve been injured in an accident involving an Uber vehicle, or if a family member perished in one, you should contact us as soon as possible. Case consultations and evaluations are free, and we don’t charge any legal fees at all unless we obtain a settlement or verdict on your behalf. There’s really no reason not to contact us after any Uber accident.