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Bronx Personal Injury & Real Estate Blog

Thursday, July 23, 2020

Who Pays for Injuries Resulting from an Uber Accident?

The yellow taxis have become a symbol of New York City. It turns out, however, that more and more people are turning to rideshare companies to make their way around the boroughs. Uber vehicles are privately owned and maintained by Uber drivers. Because Uber riders opt for this as opposed to a commercially owned and operated taxi, fares are generally available at a lower rate. It is important, however, to be aware of the implications of being involved in a motor vehicle accident involving Uber. The fact that Uber drivers are independent contractors who drive their own personally owned vehicles can present complicated questions surrounding who will pay for injuries resulting from an Uber accident.

Who Pays for Injuries Resulting from an Uber Accident?

Like any other motor vehicle crash that results in injuries, who pays will hinge on who is found to be at fault in causing the accident. If another, non-Uber associated vehicle is responsible for causing an accident, then that person, or, more commonly that person’s insurance company, will be on the hook for paying out damages. What if, however, the Uber driver is found to be at-fault for causing an auto accident. Does his or her own insurance provider pay for injuries resulting from the crash? Does Uber become involved at all? These are excellent questions that require a fact-specific analysis of the individual circumstances of a crash in order to get an answer.

The question of who pays for injuries resulting from an Uber accident has become so popular that Uber even updated their website to explain how things will work. The company has a $1 million insurance policy in place that is intended to protect Uber drivers and passengers. It does not, however, always come into play.

If the Uber driver is using their vehicle for personal purposes and is not available to take on passengers for a ride, then his or her own motor vehicle insurance policy will only be available. If the Uber driver is available to take on passengers but does not currently have a passenger at the time of the crash, then the insurance coverage is split into two separate parts. The driver’s personal auto insurance coverage will be responsible for paying out most damages, but the Uber insurance policy will supplement for partial damages. More specifically, Uber’s insurance will cover contingency liability up to $50,000 per injury at a maximum of $100,000 and no more than $25,000 in property damage. This contingency liability coverage is only available when requested and only when the driver’s personal insurance does not provide adequate coverage.

Finally, if the Uber driver is on duty and currently carrying a passenger when the crash occurs, Uber’s insurance policy will be available. If the at-fault driver is someone other than the Uber driver and his or her insurance policy is inadequate for providing damage compensation or the at-fault driver is uninsured, then Uber’s policy will provide UM or UIM coverage.

New York Personal Injury Attorney

The fact that Uber carries such a substantial amount of insurance coverage and is available in what appears to be a wide range of incidences should be reassuring. There are so many uninsured or underinsured drivers out there on the road. Be mindful of the fact that companies like Uber and insurance providers are almost always about their bottom line. They will rigorously defend their money and that means looking to avoid paying out an injury claim in any way they can see. The Law Office of Ryan Goldstein is here to stand up to these big companies to help see to it that you are properly compensated for injuries sustained in an auto accident. Contact us today.


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