No one expects to get into motor vehicle accidents when using rideshare applications, such as Uber. However, collisions may occur at any time to even the safest of drivers. If you suffer injuries in a rideshare accident, you may find yourself unsure where to turn for help and who to hold financially responsible for the losses resulting from your injuries.
Understanding who may bear liability for your injuries may help ensure you receive the damages you need and deserve.
Liability of the rideshare driver
When rideshare drivers cause accidents, they may have financial responsibility for their riders’ injuries. Under some circumstances, drivers’ personal auto policies or coverage maintained by the rideshare companies on their behalf may pay for the costs of riders’ injuries, including medical expenses and lost wages. Insurance coverage maintained by the rideshare company may also apply. For example, according to Uber.com, the company maintains auto insurance for drivers to cover injuries to riders in the event of a crash. Uber’s policies for drivers include third-party liability coverage of up to $1,000,000.
Liability of another driver
If another driver caused your rideshare accident, his or her auto insurance may cover your damages. In the event that the other driver does not have insurance or has a policy with inadequate coverage, Uber’s uninsured or underinsured motorist bodily injury coverage may take effect. Such coverage may also apply if the other driver flees the scene of the accident.
Suffering an injury in a rideshare accident may take a physical and emotional, as well as a financial toll on you and your family. However, options exist for you to recover compensation for your economic and noneconomic injury-associated losses.