If you’ve been involved in an accident while riding in, driving, or even being hit by an Uber, you may be wondering: how do Uber accident claims work with insurance? This guide breaks it down step-by-step so you understand what’s covered, what’s not, and how to protect yourself during the claims process.
Whether you’re a passenger, Uber driver, or third party, knowing how Uber’s insurance policies function is critical to securing fair compensation.
What Kind of Insurance Does Uber Provide?
Uber provides third-party liability insurance, contingent collision and comprehensive coverage, and uninsured/underinsured motorist coverage, depending on the driver’s status at the time of the accident.
Here’s a quick breakdown of Uber’s insurance coverage based on the driver’s status:
1. Driver Offline (Personal Time)
- Uber’s insurance does not apply.
- Driver’s personal auto insurance is the only available coverage.
2. App On, Waiting for Ride Request
- Uber provides contingent liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
- This kicks in only if the driver’s personal insurance denies or doesn’t fully cover the accident.
3. En Route to Pickup or Carrying a Passenger
- Uber provides commercial insurance coverage:
- $1 million liability coverage
- $1 million uninsured/underinsured motorist coverage
- Comprehensive and collision (if the driver has it on their personal policy) with a $2,500 deductible
Who Is Covered Under Uber’s Insurance?
Uber’s insurance policies may protect:
- Uber passengers
- Uber drivers (if they meet conditions)
- Third-party drivers or pedestrians affected by an Uber-involved crash
However, the level of protection varies significantly depending on the situation.
Am I Covered as a Passenger in an Uber Crash?
Yes. If you’re a passenger during an accident, Uber’s $1 million liability insurance usually applies. This means you can file a claim for:
- Medical bills
- Lost wages
- Pain and suffering
- Future medical care
Key Tip:
Always gather details at the scene (driver info, witness contacts, medical records) in case Uber’s insurer or another party disputes the claim.
What Happens If Another Driver Caused the Crash?
If another driver caused the accident while you were in an Uber, that driver’s liability insurance is considered primary.
If that driver is uninsured or underinsured, Uber’s $1 million uninsured/underinsured motorist coverage may apply to protect you.
Does Uber Cover Its Drivers in an Accident?
It depends on what the driver was doing at the time of the accident:
Covered (With App On and On a Trip)
- Uber provides comprehensive coverage, including:
- Collision damage (up to car value minus deductible)
- Third-party liability
- Uninsured motorist
Not Covered (App Off or Driving Privately)
- Uber offers no coverage
- You must file through your personal auto insurance
What If You’re Hit by an Uber Driver?
If you’re a pedestrian, cyclist, or driver struck by an Uber, your ability to file a claim depends on whether the Uber driver was:
- Offline: File against their personal policy.
- Online but not on a trip: Uber may offer contingent liability coverage.
- Online and on a trip: Uber’s $1 million policy likely applies.
What’s Not Covered by Uber’s Insurance?
Understanding what’s not covered can help avoid costly surprises:
- Personal belongings: Uber’s insurance typically does not reimburse for damaged property (like a broken laptop or phone inside the car).
- Off-the-clock incidents: Drivers are not protected when the app is off.
- Independent contractor benefits: Uber drivers do not receive workers’ compensation, even if injured while driving.
- Delayed medical treatment: Insurance companies may deny claims for injuries if treatment was not sought promptly.
- Intentional acts or violations: If a driver violates Uber’s terms or drives under the influence, coverage may be void.
How to File an Uber Accident Claim
Whether you’re a rider, driver, or third party, here’s how to begin the claims process:
1. Document the Scene
- Take photos of all vehicles, visible injuries, and the accident location.
- Get names, contact info, and insurance details from all drivers involved.
- Ask for witness names and statements.
2. Seek Medical Attention
- Even if injuries seem minor, get checked. Some injuries appear days later.
- Keep all bills, prescriptions, and medical reports.
3. Report the Accident
- To Uber: Use the “Help” section of the Uber app.
- To the Police: File an official report (especially for serious injury or major damage).
- To Insurance: Notify your personal insurer if you’re a driver or vehicle owner.
4. Contact Uber’s Insurance Partner
Uber partners with companies like James River, Allstate, or Progressive depending on the region. You or your attorney may need to deal with these directly.
Should You Hire a Lawyer for Uber Accident Claims?
While it’s possible to file a claim on your own, it’s strongly recommended to work with a personal injury attorney, especially when:
- You’re facing high medical bills
- The fault is disputed
- Uber’s insurer offers a low settlement
- You’re experiencing long-term or permanent injuries
If you’re unsure what to do if your Uber crashes, a lawyer can guide you through every step—from preserving evidence and filing your claim to negotiating with Uber’s insurance provider. An attorney can help maximize your compensation, ensure deadlines are met, and protect your legal rights throughout the process.
Common Issues with Uber Accident Claims
Here are some potential challenges claimants face:
- Delay in processing claims
- Disputed liability between drivers
- Uber denying responsibility by classifying drivers as independent contractors
- Insurance companies offering quick, low settlements
Being aware of these risks can help you respond appropriately and assertively.
In Closing: Know What to Expect from Uber’s Insurance
Understanding how Uber accident claims work with insurance is essential for riders, drivers, and anyone impacted by a rideshare-related crash. Uber does offer strong coverage in certain scenarios, but the details depend heavily on timing, fault, and insurance status.
Always gather documentation, file your claim quickly, and seek legal guidance when necessary. While Uber’s $1 million coverage can offer peace of mind, knowing what’s not covered is just as important.