Uber: Am I Covered In An Accident?

Uber Technologies revolutionized the transportation industry when it first released its user-friendly smart phone app in 2009. Since then, they have spread to cities all across the United States, including Baton Rouge. The company has enjoyed strong growth here, with hundreds of drivers around Baton Rouge – up sharply from its 30-car presence when the company first entered the market in 2014.

As the number of Ubers increase, so too does the chance of getting into an accident involving one of these vehicles. Fortunately, Uber is covered by two different types of insurance that could provide relief in the event of an injury: liability insurance and uninsured/underinsured motorist insurance.

If you get into an accident with an Uber and the driver is at fault, Uber’s third party liability insurance policies provide $1 million in coverage for things like damage to your vehicle and personal injuries. However, the $1 million policy applies only if the Uber driver either had a customer in the car or was on the way to pick up a customer. If the Uber driver was simply waiting for a pickup request, Uber provides $50,000 in injury liability per person and $100,000 in liability per accident. Property coverage is limited to $25,000 per accident.

If you’re a passenger in an Uber and the accident was caused by the negligence of another driver, the company provides $1 million in uninsured or underinsured motorist coverage. This type of coverage applies in the event the negligent driver either had no insurance or did not have sufficient insurance to cover all of the damages.

If you find yourself in one of these situations, it is important to have an understanding of what types of coverage are provided for your injuries. If you would like more information on how these policies could apply, please contact The Nordgren Law Firm, LLC, for a free case evaluation.