Rideshare drivers must have insurance – just like all other drivers in California. However, the law also requires Uber to provide insurance coverage in some situations, such as when a driver has a passenger. This means you might have to file insurance claims against the Uber driver, Uber itself, or both. The matter becomes even more complex if a third-party driver was also partially to blame, as their insurance will then also be involved.
Once you file one or more necessary claims, you then must provide evidence to support your claim and negotiate your settlement like any other type of claim. This can always be challenging, as insurers will aim to minimize your payment. You can have a long road ahead when you have multiple insurance companies fighting against your claims, and the right legal representation is essential.