Can Uber Deny Responsibility for Your Accident

If you use Uber, you should be aware of all the pros and cons in case of an accident and, furthermore, if Uber can rightfully deny responsibility for your accident.

Uber maintains a $1 million dollar insurance policy to cover their drivers and passengers. This is a three-part insurance plan, and this plan depends on which phase of the Uber ride the accident occurred. If the driver was using the vehicle for their own purposes and was not available to pick up passengers, the driver will only be covered by his or her own insurance company.

Even in the case that an accident occurs when the Uber driver is available to pick up people but has not yet done so, the injuries or damages will be covered by the driver’s personal insurance company.

Uber has contingent liability coverage in the amount of $50,000 to $100,000 per injury and $25,000 for property damage. This coverage is only available when the driver’s personal insurance is not sufficient to cover all the damages. If you are involved in an accident while the driver is transporting a passenger, both the driver and the passenger are covered by Uber’s $1 million dollar insurance policy.

Uber also maintains uninsured and under-insured insurance coverage up to $1 million dollars if the driver of the other vehicle does not have insurance.

Uber drivers are not Uber employees. In essence, Uber connects people who need a ride to somewhere with independent contractors who can provide the ride. Therefore, Uber uses this fact while denying responsibility in an accident. If you or a loved one has been injured in an accident with or in an Uber vehicle, call a skilled attorney right away. An attorney will help protect your rights and stand by you.