You and your roommates want to head to a party across town. It’s supposed to be epic. And things are probably going to get a little crazy. So you do the responsible thing. You get an Uber. Things go great at first. The driver arrives on time. He’s not sketchy. Traffic is smooth. He even lets you choose the radio station. You’re probably not thinking about insurance or the Uber accident policy.
But then it happens. One second you’re riding and laughing and singing along, the next there’s a loud bang and the car won’t stop spinning. Then there’s the sound of shredding metal, you feel a bright, sharp pain… and then nothing.
When you wake up in the hospital at first you don’t know what’s going on. How did you get here? Where are you?
And then it comes back. There was a crash. You don’t even know what happened. Are you okay? Are your friends okay?
Thankfully, no one died and no one suffered any permanent injuries. But now that you’re awake, a hospital worker starts asking you questions. About insurance. About who’s responsible for paying.
And you realize that you don’t really know. Is there an Uber accident policy? Should it be the guy who was driving you? The other driver?
Ridesharing has only been around for a few years, but already it has taken the world by storm, and it’s become the method of choice for many South Floridians.
It’s understandable why. If you don’t own your own car, getting around the area can be tough. There’s public transportation, but it often takes forever and isn’t always particularly comfortable. Taxi services exist, but they, too, can be slow. And often, they cost a pretty penny. In contrast, Lyft, Uber and others charge less. And these apps have many available drivers ready to get you from point A to point B whenever you need them. In Miami, an Uber driver is rarely more than a few minutes away.
Unfortunately, there is still a large legal gray area where rideshare liability is concerned. And both drivers and riders have many questions about the Uber accident policy. In other words, who is responsible if you’re riding in rideshare vehicle and get into an accident is still being worked out. For more details on the particulars of how the uber auto insurance policy works, click the link to our homepage and scroll down for our feature that explains the type of lyft and uber auto injury coverage afforded depending on various factors.
Before you get into rideshare, make sure you understand how the Uber accident policy applies to you or call your Uber personal injury lawyer and ask.
Uber Accident Policy: Are You Insured While Riding in an Uber?
Short answer: yes.
If you are riding in an Uber and your driver gets into an accident, causing you to be injured, there is an Uber accident policy. It covers their driver for up to $1 million in liability insurance. That means that they will cover up to a million dollars in damages for you related to your injury – provided that their driver is at fault or the other car is at fault and does not have sufficient bodily injury coverage.
This can be confusing. For example: while Uber and Lyft both provide a $1,000,000 bodily injury car insurance coverage for Uber drivers and Uber riders, those maximum amounts are only available in situations specifically enumerated in the Uber auto insurance policy. In other situations, for example, while the driver is logged into the Uber app, but has not yet connected with an Uber rider, the insurance policy coverage is only $50,000.
Additionally, if you are injured due to the negligence of an uninsured or underinsured motorist while riding in an Uber, or if the accident in question is a hit-and-run and fault cannot be determined, the Uber accident policy will still provide that $1 million in coverage.
However, there are still big questions about coverage in Florida due to our no-fault personal injury insurance (PIP) laws. Specifically, Uber says that they will pay for damages due to negligence. But in Florida, negligence doesn’t even come into the picture unless the injuries are permanent, severe, or disfiguring.
This matters because of how Uber and other rideshare companies work. Their drivers are not their employees. That means they do not have to be licensed or insured as commercial drivers. But they are acting as commercial drivers by taking paying passengers into their vehicles.
Unfortunately, most personal auto insurance policies specifically prohibit people from doing this unless the insurer knows about it in advance and modifies the driver’s policy accordingly.
How many Uber drivers do you imagine go to the trouble of notifying their insurers so that they can be charged more money to drive for a rideshare? Probably not very many. Because of this, if you are an Uber driver, it is very likely that your personal auto insurance policy will not pay for your injuries.
The bottom line is that determining fault and responsibility in rideshare accidents is complicated. You need to know that before you ride.
But what if you do end up getting into an accident while riding in an Uber or other rideshare vehicle? To give yourself the best chance at receiving the compensation you need and deserve, get in touch with a knowledgeable South Florida auto accident attorney.
Additional Lyft / Uber Car Accident Resources