You’re probably wondering how you would be compensated for your injury and related losses if you got injured while riding in Uber. In general, your compensation would come from the Uber driver’s insurance provider or the insurance coverage provided by Uber. This applies whether it’s the fault of the Uber driver or a third-party driver.
Which Insurance Coverage Apply?
The insurance coverage of the Uber driver would cover your injuries, provided that the driver has an insurance plan that includes a special provision that provides coverage while working as a ridesharing driver, explains an experienced Uber accident attorney in Los Angeles. Do note though that most Uber drivers usually don’t have the proper coverage that would cover your losses and injuries.
If this is the case, what now? This is where Uber’s third-party liability insurance policy, which is up to $1,000,000 per accident for property damage and injuries, kicks in. This will only be applied if the driver’s insurance coverage has been used up.
But then whose insurance policy would apply if the accident were the fault of a third party driver and not the Uber driver’s? In this case, your compensation would come from the third party driver’s insurance provider or a claim for personal injury. If the third party driver does not have insurance or if his or her insurance policy isn’t sufficient to completely compensate for your injury and losses, you could seek compensation from Uber’s uninsured/underinsured insurance policy.
But take note that while this coverage could provide up to $1,000,000 for every accident, it would only apply if the driver liable for the auto accident is unknown, couldn’t be found, does not have insurance coverage, or does not have sufficient insurance coverage.
Could I File a Claim Against Uber?
Uber drivers are independent contractors and not employees. This distinction is very crucial since employers are legally responsible for giving employees certain rights and benefits, that they’re not legally liable to give independent contractors. Because of this, no court would hold Uber legally liable for the negligent actions of its independent contractors.
So while seeking compensation directly from Uber is a possibility, think of it as your last recourse. Consult an attorney knowledgeable in Uber claims to obtain the best possible results for your claim.