Given the complexity of accidents with Uber drivers, you may need to deal with multiple insurance companies, including:
The Uber driver’s insurance company;
The other driver’s insurance company; and
Uber’s insurance company
If the Uber driver was on duty, Uber may have coverage in varying amounts, depending on the driver’s status:
Available or waiting for a ride request: Uber provides insurance coverage of $50,000 in bodily injury per person, $100,000 in bodily injury per accident, and $25,000 in property damage per accident (where are we getting this information)
En route to pick up and during trips: Uber insurance covers $1 million in bodily injury and property damage caused to a third party arising from a covered accident
If the other driver was responsible for the accident, you may pursue recovery through their insurance policy. If the other party is uninsured, Uber maintains Uninsured or Underinsured Motorist Bodily Injury coverage for its drivers. You may also have policies in place that help in the event the coverage available from the parties causing the accident are not sufficient.
With several parties and insurance policies potentially involved, you may not know how to proceed after an Uber accident. You may find yourself communicating with several insurance companies and managing requests for information from multiple parties. A lawyer will help take over these communications for you and explain your recovery options.