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Personal Injury Claim: Who Pays After an Uber Accident?

As a Uber passenger, you might have thought the driver would be able to get you to your destination in a safe manner. You might assume that Uber will pay if the rideshare driver’s negligence leads to an accident.

However, since Uber classifies its drivers as independent contractors, liability usually falls on the driver rather than the company. In many cases, most insurance policies do not cover accidents involving personal automobiles when the driver used the vehicle as their primary source of employment.

So, when will the rideshare company’s insurance cover an accident? Who pays after an Uber accident? In this article, our Arkansas personal injury attorneys at Keith Law explain what you need to know.

We can help you get the compensation you deserve through an Arkansas personal injury claim.

In Arkansas, Which Party Is Responsible for Uber Accidents?

In some cases, only one person or entity is deemed at fault, and in others, multiple parties are deemed at fault. A skilled Arkansas Uber accident lawyer can help determine which party or parties may be liable.

Uber Driver

If evidence shows the Uber driver was negligent while transporting passengers, they can be deemed liable for the accident. In such a case, the best course of action is filing a claim with the driver’s personal insurance company under the guidance of an attorney. Your lawyer will take you through the entire application process and make sure you have the best chances of having your claim approved by the insurance company.

Rideshare Company

Uber drivers are classified as independent contractors. This means that if a rideshare driver called the accident, the driver and not the company will typically be liable.

Uber provides liability insurance for its drivers, but this coverage only applies if the driver was logged into the app at the time of the accident. If the driver wasn’t using the app, the Uber driver’s insurance would cover the accident.

Outside Parties

In some cases, liability could fall on a third party. A good example of a third party who could be held liable for an accident is a construction company or a local government agency that failed to put up signs or warnings of an underway road construction where the accident occurred.

In this situation, you would file a claim with the third-party’s insurer under the guidance of an experienced attorney. If you need to file a lawsuit, you need to name the third party as the subject of the suit.

Insurance Claims for Uber Accidents

Uber accidents can be complicated since which insurer is liable (the driver’s or the Uber company’s) and for how much depends on the circumstances of the crash. According to the insurance policy terms on Uber’s website:

Offline or Driver App is Off

If the Uber app was closed at the time the driver was involved in an accident, then the driver’s personal auto insurance policy applies.

Waiting for Ride Request

If the driver is waiting for a ride request while using the app, Uber may provide third-party liability coverage if the rideshare driver’s auto insurance does not apply to the accident.

This policy covers up:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

Picking Up Riders and During Trips

If the Uber driver is in an accident while giving a passenger a ride or picking up/dropping them off, then Uber’s $1,000,000 liability insurance policy kicks in.

Uber also provides uninsured/underinsured insurance coverage. This covers injuries to Uber drivers and passengers if an accident occurs during an Uber trip and another driver is at fault and doesn’t have sufficient insurance coverage.

Call Keith Law for Help With Your Personal Injury Claim

As a result of an Uber accident in Arkansas, you may have suffered catastrophic injuries or a loved one may have been killed. Before speaking with the insurance company, you should consult a lawyer.

A personal injury lawyer from Keith Law will fight on your behalf to hold the at-fault party accountable and obtain justice for you. We offer free, no-obligation legal consultation so that we can look over your Arkansas personal injury claim and help you determine what legal options you have.

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