If you're in an accident while using Uber, the company's insurance policy will likely cover your damages. That said, it's important to understand what kinds of coverage Uber provides so that you know what to expect after an accident.
Here's a rundown of what Uber covers in the event of an accident:
For riders: If you're injured in an Uber-related accident, you'll be covered by Uber's $1 million liability policy. This policy also covers property damage up to $50,000. If your damages exceed these amounts, you may need to seek compensation from other sources, such as the driver's personal insurance policy or your own health insurance.
For drivers: If you're driving for Uber and get into an accident,Uber's insurance will cover up to $1 million in bodily injury liability per person, $1 million in total bodily injury liability, and $50,000 for property damage. Note that this coverage is only available if you have commercial automobile insurance; if you don't have this type of insurance, you'll need to purchase it yourself or find another way to insure your vehicle.