Uber's Insurance Coverage
Transportation network companies, or TNCs, connect passengers with drivers of non-transport vehicles. Although riders can enjoy cheaper fares, they are also exposing themselves to fewer legal protections than those traditionally offered to taxi drivers and their passengers.
Whether you are a driver or a passenger in an Uber ride, an attorney can help you get the medical care and compensation you need following an accident or injury.
Because technology moves much faster than the law does, a reliable set of regulations and laws surrounding Uber drivers and passengers does not exist and can leave many injured parties to fend for themselves following a car accident.
Why You Need a Lawyer
If you are a driver or rider involved in an Uber accident, you need the help of a compassionate legal team to help you navigate various areas, including:
According to Uber's website, their insurance regulations and coverage for partners and riders include:
- All drivers are required to have auto liability insurance that meets the minimum requirements for the state in which they are driving
- Uber offers auto liability coverage of at least $50,000 for bodily injury to one person, $100,000 per accident, and $25,000 for property damage from the moment you turn on your app to the moment you accept a ride
- Uber offers auto liability coverage of at least $1,000,000 per accident from the time you accept a ride until the conclusion of the trip
Although the insurance coverage seems relatively generous while a rider is in the car, it is comparatively low during periods when the driver is looking for passengers.
Car accidents aren't the only gray areas surrounding Uber and other TNCs. If your driver has not passed a sufficient background check, your safety may also be in jeopardy. Recently, Uber was fined millions of dollars for allowing drivers with criminal records and motor vehicle offenses to get behind the wheel. If you were injured as a result of the actions of an unqualified driver, you may benefit from filing a lawsuit.
Because Uber drivers are contract workers, they are not typically covered by workers' compensation or full-time employees' rights. Following an accident, you cannot drive your car until the vehicle has been cleared by Uber. If Uber is your primary source of income, this can lead to a loss of income for many weeks or months. One of our attorneys can help you quantify the sum of your injuries and damages to get the full compensation you deserve.
Discuss Your Case with an Attorney
Whether you are a driver or a passenger in an Uber ride, an attorney can help you get the medical care and compensation you need following an accident or injury. To learn more about your rights as an injured driver or passenger, schedule a complimentary consultation online or call Bennett Johnson, LLP, at (805) 438-2952.