Is Uber Insurance Enough After an Atlanta Rideshare Accident?

Ridesharing services like Uber and Lyft are all the rage in Atlanta, but many have questions about their insurance coverage. Understanding the extent of Uber’s insurance policy is crucial for both drivers and passengers, especially after an accident. Daniel J. Moriarty is an Atlanta Rideshare Accident Lawyer who explores the ins and outs of Uber insurance coverage and what it means for you after a rideshare accident.

What Is the Uber Insurance Policy?

Uber provides insurance coverage to its drivers, which is designed to protect them while they are on duty. However, the level of coverage depends on the status of the app at the time of the accident. Here’s a breakdown:

1. App Off: When the Uber app is not in use, drivers are considered to be off-duty. In this situation, they are responsible for their own personal insurance coverage.
2. App On (Waiting for a Ride): When the app is on, but the driver hasn’t accepted a ride, Uber provides liability insurance coverage up to $100,000 per person for bodily injury, up to $300,000 per accident for total bodily injury, and $50,000 for property damage. However, drivers must have their own personal insurance as well.
3. En Route to Pick Up a Passenger: Once a driver has accepted a ride request and is en route to pick up the passenger, Uber’s insurance steps up significantly. The coverage increases to $1,000,000 in liability coverage for bodily injury and property damage.
4. During the Ride: When the passenger is in the vehicle, Uber’s insurance still provides up to $1,000,000 in liability coverage. It also includes additional coverage for uninsured/underinsured motorists and contingent comprehensive and collision coverage (subject to a deductible).

Is Uber Insurance Enough?

While Uber’s insurance policy provides substantial coverage, several factors can affect whether it’s “enough” in the event of an accident:

• Severity of Injuries and Damages: If the accident results in significant injuries or large damages, the coverage limits may not be adequate to cover medical expenses, lost wages or pain and suffering.
• Liability Issues: In some cases, liability can be shared among different parties. If the rideshare driver is primarily at fault, Uber’s insurance may cover the costs. However, if another driver is at fault, their personal insurance might need to pay for damages, which can complicate claims.
• Insurance Gaps: While Uber provides coverage during specific periods, there may still be gaps. For example, drivers on their way to pick up another passenger may be left without full coverage if they are not properly insured.

Obtaining fair compensation following an accident can often be a complex process, frequently requiring the guidance of an experienced attorney. At Moriarty Injury Lawyer, we understand that rideshare companies may attempt to assign fault to the driver in order to avoid financial liability for the accident. Having knowledgeable legal assistance can greatly enhance your ability to navigate these complexities and secure the compensation you deserve.

What Should You Do After an Accident?

If you are involved in an Atlanta rideshare accident, follow these steps:

1. Ensure Safety: Check for injuries and seek medical attention if necessary.
2. Document the Scene: Take photos of the accident scene, gather contact information from witnesses, and note any damages.
3. Report the Accident: Contact local authorities to file a police report, as this can be critical for insurance claims.
4. Notify Uber: Report the accident through the Uber app, which will initiate their claims process.

Consult an Atlanta Uber Accident Attorney

Depending on the circumstances, it may be beneficial to consult with a personal injury attorney experienced in rideshare accidents to understand your rights and options. Contact Moriarty Injury Lawyer for assistance right away.