05/14/25
4 min
Uber Liability Insurance and Other Factors Influencing Rideshare Accidents
Uber rides have become an integral part of urban mobility, offering convenience and flexibility to millions around the globe. However, with the rise in the use of services like Uber and Lyft, rideshare accidents have presented a unique set of legal considerations. These complexities can make it difficult to navigate the aftermath effectively. To address this, we’ve put together a quick explainer on the circumstances affecting these accidents, as well as a more detailed breakdown of Uber’s liability insurance.
An Uber accident refers to any incident involving an Uber vehicle that results in property damage, injury, or fatality. These can range from minor fender benders to severe collisions. Rideshare accidents, including those involving Uber, introduce unique legal and insurance challenges distinct from traditional vehicle accidents. Understanding these differences is crucial for anyone involved in an Uber accident:
In traditional vehicle accidents, liability often rests with the individual drivers involved. However, in rideshare accidents, determining liability can be more complicated due to the involvement of the rideshare company. While rideshare drivers are considered independent contractors, the degree of responsibility the company bears for their drivers' actions during a ride request can vary. This factor can lead to complex legal debates over liability and corporate protection.
Rideshare accident cases may also involve comparative negligence claims, where multiple parties, including the passenger, could be partially at fault. This adds another layer of complexity, potentially reducing the amount of compensation available to victims.
There are three main types of negligence laws in the United States, pure comparative negligence, modified comparative negligence, and contributory negligence. Under the two comparative negligence models, you can obtain compensation even if you are considered partially at fault, as long as your percentage of fault remains below a certain amount. Under contributory negligence, parties considered to hold any amount of fault cannot recover any compensation. To learn more about each type and which one applies to your state, reference our blog on calculating compensation.
Rideshare companies such as Uber and Lyft work with complex insurance structures that vary depending on the driver's status at the time of the accident. For instance, insurance coverage differs if the driver is waiting for a ride request, en route to pick up a passenger, or during a trip. This multi-layered insurance framework complicates the claims process, especially compared to a standard vehicle accident, where personal insurance policies are typically the primary source of compensation.
Navigating insurance and liability in the event of an Uber accident can be confusing for both drivers and passengers. It is critical to understand how coverage applies in the aftermath of a rideshare accident. Uber's insurance policies, as detailed on their website, offer various levels of coverage based on the driver's status at the time of the accident.
Uber drivers are required to maintain personal automobile insurance that meets the state’s minimum legal requirements and provide proof of this insurance to Uber. When they are not logged into the Uber app, they are covered only by their personal auto insurance.
In most cases, an accident with an Uber driver who is not logged into the Uber app at the time of accident can be considered a standard vehicle accident, rather than a rideshare accident.
In situations where an Uber driver is logged into the app and available for a trip, Uber provides third-party liability insurance. This coverage is crucial if the driver is at fault in an accident that causes injury to another person or damage to their vehicle. The coverage includes:
Up to $50,000 per person for injuries.
Up to $100,000 per accident for injuries.
Up to $25,000 in property damage per accident.
In some states, Uber may offer additional coverage, such as:
Coverage for injuries resulting from accidents with uninsured or underinsured drivers, or from hit-and-run incidents.
Personal injury protection covering medical expenses and lost wages for both the driver and riders, regardless of who is at fault.
Medical payments for the driver and riders, regardless of fault.
When an Uber driver is en route to pick up riders, or during a trip, Uber maintains a more comprehensive insurance policy. This includes:
At least $1,000,000 for property damage and injuries to riders and third parties if the Uber driver is at fault.
Coverage for repairs to the driver’s vehicle, up to the actual cash value, with a $2,500 deductible. This coverage is contingent on the driver having personal comprehensive and collision coverage and applies regardless of who is at fault.
Understanding and responding to rideshare accidents requires a thorough knowledge of the law and the specific challenges presented. If you're involved in such an accident, it's crucial to seek professional legal help from an Uber accident attorney. Their expertise can help you to claim the compensation you deserve, navigating liability and insurance claims alongside you. For comprehensive support and representation in your Uber accident case, contact Senft Injury Advocates.