If you have been injured in an Uber accident, determining which policy will provide primary coverage is one of the most important steps in your personal injury assessment. There are three different types of insurance coverage applicable after an Uber accident. Here is a brief description of each of them:
Uber’s commercial policy
Uber’s commercial policy covers liability in situations where the driver has accepted a ride and is in route to pick up his or her passenger or was transporting a passenger at the time of the accident. This policy covers up to $1 million per incident for bodily injury or property damage to a passenger or a third party involved in an accident with an Uber driver.
However, this policy only applies when the driver has already accepted a ride. In the event of an accident, this policy will be the primary liability insurance coverage for the Uber driver unless he or she has other commercial coverage.
Uber’s ‘between rides’ contingency coverage
Uber’s contingency policy is applicable for situations where the driver was in between rides, but does not have personal coverage that applies. This policy covers from $50,000 to $100,000 per accident with additional coverage of up to $25,000 for property damage.
Driver’s personal insurance
If the driver has not accepted a ride but has caused an accident, his or her personal insurance will provide liability coverage for the accident. However, if the driver’s policy lapsed during the time of the accident, the ‘between rides’ contingency coverage may be used.
If you have been injured in an Uber accident, you need the legal assistance of an experienced Uber accident lawyer to help you make a successful claim. We are experienced and can help you seek fair compensation for your injuries. Call us at 1-877-504-5562 or email us at [email protected].