If you are injured in an Uber car accident you probably have a lot of questions. Who is liable? Can I sue Uber? Can I sue the driver? These are all good questions. Ridesharing has become increasing popular over the past few years. With so many people utilizing ridesharing service like Uber, there have been many car accidents involving ridesharing drivers where passengers have been injured.
In California, the law requires that ridesharing companies carry commercial insurance. This insurance generally covers passengers while utilizing Uber’s services. Uber may indemnify their drivers, depending on what state they are conducting business in. This means that Uber accepts responsibility if a passenger is injured in an Uber car accident if an Uber driver is in an accident and is at fault. This is beneficial to not only passengers but also other drivers on the road.
The question then becomes, when is an Uber driver covered by Uber’s insurance? Uber drivers decide their own schedule and are only considered working when the Uber driver app is turn on. In California, when a driver turns the app on they are considered available (Period 1). During Period 1 Uber provides supplemental liability insurance to drivers. This means Uber provides the driver with insurance in the amounts of $50,000 for injury to one person, $100,000 total for injuries if more than one person is injured, $30,000 in property damage, and $200,000 in excess liability insurance.
Period 2 begins when the driver accepts a ride and is enroute to pick up the passenger. Period 3 begins when the passenger is picked up and ends when the passenger is dropped off. In California there is no difference in coverage during these two time periods although this may differ depending on what state you are in. Check with Uber if you are using uber in another state. During periods 2 and 3 Uber provides $1 million in liability insurance, $1 million in uninsured/underinsured motorist coverage, and contingent comprehensive and collision insurance. The contingent insurance provides coverage of an Uber driver’s vehicle with a $1,000 deductible if the driver maintains like coverage through their personal auto insurance policy.
If you have been injured in an Uber car accident or other ridesharing network driver or were a passenger in a driver’s vehicle and were injured you need to speak with an experienced car accident attorney. The car accident attorneys at the Barnett, Bennett, & Scott LLP are available to speak with you regarding an auto accident if you were injured in an Uber car accident or in an accident with another ridesharing network driver. Call us at (707) 425-0671 to schedule a free consultation.