Determining Liability in an Uber Rideshare Accident If you’re injured in a car accident due to the negligent or wrongful acts of another person, that
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How Uber’s Accident Insurance Works
Drivers use their personal vehicles and are not always on the clock: If the driver is not logged into the Uber app and available to accept rides, then only the driver’s personal insurance is in play in the case of an Uber accident lawsuit.
If a driver is logged into the app but hasn’t accepted a ride from a fare-paying customer, then Uber’s insurance offers no collision coverage. However, it does offer an additional liability coverage for third parties (others involved in the accident) of a maximum of $50,000 per injury (up to $100,0000), as well as a maximum of $25,000 for property damage, for damages that exceed the capacity of the driver’s personal insurance.
Only if the driver is actually transporting a customer does the full $1 million of collision and liability coverage provided by Uber kick in for the following purposes:
(click on this article to learn more)
https://www.dolmanlaw.com/accident-with-an-uber-or-lyft/