Uber’s $1 Million Insurance Policy: Are You Covered?

Have you heard that Uber has a $1 million insurance policy on all of its drivers? Did you think it was a lie? In this comprehensive article, the team at SHElaw firm® will provide you with valuable insights into Uber’s $1 million insurance policy (it’s not a lie!). As experts in personal injury law, we understand the importance of having a clear understanding of insurance coverage in rideshare accidents. Whether you are a passenger, a rideshare driver, or someone affected by an accident involving Uber, our Uber accident lawyers in Decatur are here to guide you through the intricacies of Uber’s insurance policy.

Does Uber Actually Have a $1 Million Insurance Policy for All Drivers?

Yes, Uber does have a $1 million insurance policy that provides coverage for eligible drivers. However, it is important to note that the coverage is not applicable at all times and has specific periods of applicability based on the driver’s activity on the Uber app.

When Does Uber’s $1 Million Insurance Policy Apply?

It’s crucial to remember that Uber’s policy is intended to be a supplemental insurance that provides additional coverage beyond the driver’s own personal insurance. With that in mind, the $1 million insurance policy primarily applies during Periods 2 and 3 of the driver’s activity:

Period 1: App On, No Request

During this period, when the Uber driver has the app turned on but has not yet accepted a ride request, Uber provides limited insurance coverage. The coverage includes:

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

It is important to note that during this period, the driver’s personal auto insurance may also come into play, depending on the coverage and policy provisions.

Period 2: En Route to Pickup

Once the Uber driver accepts a ride request and is en route to pick up the passenger, the coverage increases significantly. During this period, Uber’s insurance policy provides up to $1 million in liability coverage. This coverage is designed to protect both the driver and the passenger in the event of an accident.

Period 3: Passenger Onboard

When the passenger is in the vehicle, Uber’s $1 million liability coverage continues to apply. Additionally, comprehensive and collision coverage may be included, subject to a $1,000 deductible.

Exceptions and Limitations

While Uber’s $1 million insurance policy provides substantial coverage, it is essential to be aware of certain exceptions and limitations:

Intentional Acts and Criminal Activities

Uber’s insurance policy does not cover intentional acts or criminal activities committed by the driver. In such cases, the driver’s personal auto insurance may come into play.

Personal Use of the Vehicle

If the Uber driver is using their vehicle for personal purposes and not actively engaged in rideshare activities, Uber’s insurance policy does not apply. During these times, the driver’s personal auto insurance is in effect.

Rideshare Services Other Than Uber

It’s important to note that Uber’s $1 million insurance policy only applies to accidents that occur while the driver is actively providing services specifically for Uber. If the driver is providing services for another rideshare company, different insurance coverage may apply.

Will I Be Covered?

If you are a rideshare passenger or driver using Uber, you may wonder if you will be covered by Uber’s $1 million insurance policy in the event of an accident. Let’s take a closer look at the scenarios to understand the coverage:

As a Passenger

As an Uber passenger, you can have peace of mind knowing that you are covered by Uber’s $1 million liability insurance policy. This coverage applies from the moment you enter the vehicle until you reach your destination. In the unfortunate event of an accident, you have the assurance that medical expenses and property damage will be covered up to the policy’s limits.

As an Uber Driver

As an Uber driver, your coverage depends on the specific period of the trip:

  • If you are in Period 1 (the app is on, but no ride request), Uber provides limited coverage that includes bodily injury and property damage. It is important to be aware of any potential coverage gaps during this period and ensure you have appropriate personal auto insurance.
  • Once you enter Period 2 (en route to pickup) and Period 3 (passenger onboard), you are covered by Uber’s $1 million liability insurance. This comprehensive coverage protects you and your passengers in the event of an accident, including bodily injuries, property damage, and potential comprehensive and collision coverage.

It’s important to note that Uber’s insurance policy is intended to supplement your personal auto insurance coverage, so maintaining adequate personal insurance is essential for continuous protection.

Importance of Seeking Legal Representation

Navigating the complexities of insurance coverage in rideshare accidents can be overwhelming. If you have been involved in an accident while using Uber, it is crucial to seek the guidance of an experienced personal injury lawyer. At SHElaw firm®, our injury attorneys are dedicated to fighting for your rights and ensuring you receive the compensation you deserve. Our team will assess your case, negotiate with insurance companies, and represent your best interests throughout the legal process.

Remember, each case is unique, and consulting with a legal professional will ensure you receive the most accurate and up-to-date information based on the specific circumstances of your situation.

Contact SHElaw firm® today for Exceptional Representation in Your Uber Accident Case!

Understanding Uber’s $1 million insurance policy is essential for anyone using or affected by rideshare services. By familiarizing yourself with the coverage periods, exceptions, and limitations, you can make informed decisions and protect your rights in the event of an accident. If you require legal assistance or have further questions regarding Uber’s insurance policy, do not hesitate to contact SHElaw firm® TODAY to receive a risk-free consultation with our skilled injury attorneys. We are here to provide you with expert legal advice and support during these challenging times.