You live in the city and don’t see a need for a car. You are thrilled with the concept of ridesharing services and prefer Uber cars over taxis to get around in Houston. But, what happens if you are a passenger in an Uber vehicle and it gets into an accident?
There are many reasons that people opt for Uber services. It could be they don’t want to worry about driving while under the influence. Or they cringe at the thought of looking for parking spaces. Whatever your reason for using the service, you will likely have some questions if you’re injured in a crash with an Uber driver at the wheel.
Do Uber Drivers Have Insurance?
Almost all Uber drivers use their personal vehicles to provide rideshares. Does this mean their own insurance will cover any accidental claims made against them? Almost always, no.
According to information provided by Uber, the company maintains certain liability coverage. The insurance is available to Uber drivers in these cases:
- Coverage applies once an Uber driver accepts a trip and upon its conclusion
- Uber driver is logged into the application, but not yet taken the trip
The good news? Uber’s rideshare liability policy is more extensive than many personal automobile liability insurance plans. It is considered primary for Uber drivers and offers up to $1 million in coverage.
Take it a step further. Let’s say you were injured and someone other than the Uber driver caused the accident. Maybe the operator of the other vehicle was uninsured or underinsured. The $1million Uninsured/underinsured insurance coverage afforded to Uber drivers would apply to anyone injured in the Uber car.
Drivers who have not yet accepted a trip are entitled to some insurance coverage from Uber. However, the amounts are different than those who are actively involved in a rideshare when the collision occurs.
What to Do after an Uber Accident
If you are injured as a passenger in an Uber vehicle, there are some steps you should consider. First off, you should seek appropriate medical care. If possible, you should attempt to take photographs of the accident scene. Make sure to secure information regarding the identity of the driver and the car’s license plate. Record the names of any eyewitnesses. You should also ensure that the police are called to the scene, even if you need to make the call.
There may be some confusion regarding payment of your medical bills. An experienced personal injury attorney can help guide you through the process.