The number of people using Uber is increasing, and so is the number of Uber accidents. Injured victims of Uber accidents may be able to take advantage of the company’s $1 million insurance policy. However, the coverage is applicable only in specific situations. Here are some examples of circumstances where Uber’s $1 million insurance policy may or may not work:
Circumstances Where Uber’s $ 1 Million Policy May Not Work
If an Uber driver who was not logged in and was using the car for personal business causes an accident, the policy would not be applicable. Instead, the driver’s personal auto insurance policy will apply. The liability coverage will be based on the at-fault driver’s policy.
If the driver was logged in but had not yet accepted a trip at the time of the accident, the policy will not be applicable, and the driver’s personal auto insurance policy will come into play. However, Uber provides liability coverage of $50,000 per injury with a maximum of up to $100,000 per accident, and up to $25,000 in property damage. This coverage comes into play only when the driver’s personal auto insurance does not cover all of the damages.
Circumstances Where Uber’s $1 Million Policy May Work
If an Uber driver was logged in and was carrying a passenger at the time of the accident, Uber’s $1 million policy will apply because the driver was “on trip”. “On trip” begins when a driver accepts a trip and ends when a rider reaches his or her destination.
The $1 million coverage provides two very distinct benefits:
- $1 million dollar policy for liability
- $1 million dollar policy for uninsured and underinsured coverage
However, it is important to note that Uber drivers are not considered employees of the company, They are treated as contract employees, so proving liability may be difficult. Seeking the help of a lawyer experienced in handling Uber accident cases is helpful.
If you have been injured in an Uber accident, we can help you. Our Uber accident lawyers will clearly explain every option to you and will work tirelessly to represent your case so that you can receive the highest compensation possible. Call 877-504-5562 or email [email protected].