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Yes! Due to recent legal action in 19 states including California, Uber’s own insurance—insurance above and beyond a driver’s personal policy—can be held liable to contribute up to $1 million total for any damages or injuries sustained in an accident.
While the ridesharing app does have a hotline to report your accident details which you should use, we don't advise you speak with their insurance company.
Like most insurance adjusters, they are highly trained to minimize your claim or trick you into giving a recorded statement that reduces or completely limits your ability to make a claim.
Uber's insurance adjuster is James River Insurance based out of Virginia, and our team of rideshare accident lawyers are well-versed in getting them to pay claims in excess of $500,000 on behalf of our clients.
As a means of protecting itself against insurance claims, the company requires that all drivers have an active personal auto insurance policy.
However, that policy is not designed to protect passengers in the event of an Uber accident.
Insurance policies almost always include a “for hire” exclusion or clause which states that if a driver is using their personal automobile in a “for hire” capacity (such as driving paying passengers to and from destinations) the policy is voided.
Yes, but typically passengers won't need to. A simple insurance claim is often all it takes to get the
compensation a victim needs, to cover:
- Medical expenses
- Lost wages
- Property damage
- Pain and suffering
In a small number of cases, if an Uber accident passenger and their attorney determine that an acceptable settlement amount cannot be negotiated with the insurance company, it may be possible to get a larger sum in compensation for the injuries suffered by suing the Uber or Lyft driver instead, which would generally mean facing the insurance company in court.
It is important to understand that it's always possible the passenger may actually lose the case if it goes to trial, in which case, unfortunately, the injured person may walk away with nothing but legal expenses for their effort.
On the other hand, sometimes suing an Uber driver is the right decision for an injured driver to get the compensation they deserve.
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