Does Uber Insurance Cover Passengers? Everything You Need to Know

About Uber and Lyft Insurance

Do you ride with Uber or Lyft? Whether for convenience or cost savings, ridesharing has quickly become a popular form of transportation. While many people understand that drivers who use Uber/Lyft are required to have special insurance policies to make sure they’re covered in the case of an accident, many don’t know what protections riders have.

One of the most common questions asked is: Does Uber insurance cover passengers? In this article, we will explore the insurance coverage provided by Uber and other ridesharing companies for passengers.

Understanding Uber Insurance Coverage

Uber provides insurance coverage for passengers in the event of an accident. The coverage includes both bodily injury and property damage. This means that if you are injured or your property is damaged while riding in an Uber vehicle, you may be eligible for compensation.

Types of Uber Insurance Coverage

Uber offers several types of insurance coverage for passengers:

• Third-Party Liability Coverage: This coverage protects passengers and other third parties if the Uber driver is at fault in an accident. It provides compensation for medical expenses, lost wages, and other damages.
• Uninsured/Underinsured Motorist Coverage: This coverage protects passengers if they are injured in an accident caused by an uninsured or underinsured driver. It provides additional compensation if the at-fault driver's insurance is not sufficient to cover the damages.
• Contingent Comprehensive and Collision Coverage: This coverage protects passengers if the Uber driver's personal insurance does not cover the damages. It covers repairs or replacement of the vehicle up to the actual cash value.

Limitations of Uber Insurance Coverage

While Uber provides insurance coverage for passengers, it is important to note that there are limitations to the coverage:

• Periods of Coverage: Uber's insurance coverage is divided into three periods. Period 1 starts when the driver turns on the Uber app and is waiting for a ride request. Periods 2 and 3 start when the driver accepts a ride request and is en route to pick up the passenger, and when the passenger is in the vehicle, respectively. The coverage limits vary depending on the period.
• Personal Insurance: Uber's insurance coverage is contingent on the driver's personal insurance. If the driver's personal insurance does not cover the damages, Uber's insurance coverage may apply. However, if the driver does not have personal insurance or if the personal insurance denies the claim, Uber's coverage may not be sufficient.

What to Do If You Are Injured as an Uber Passenger

If you are injured as an Uber passenger, there are several steps you should take to protect your rights and ensure you receive the compensation you deserve:

1. Seek Medical Attention: Your health and safety should be your top priority. If you are injured, seek medical attention as soon as possible.
2. Report the Incident: Report the incident to Uber and provide them with all the necessary information. They may ask for details about the accident, your injuries, and any other relevant information.
3. Document the Scene: If you are able to, take photos or videos of the accident scene, your injuries, and any property damage. This evidence can be crucial in supporting your claim.
4. Contact an Experienced Rideshare Attorney: It is highly recommended to consult with an experienced rideshare attorney who specializes in Uber accident cases. They can guide you through the legal process and help you navigate the complexities of Uber's insurance coverage.
5. File an Insurance Claim: Work with your attorney to file an insurance claim with Uber's insurance company. Provide all the necessary documentation and evidence to support your claim.

Conclusion

In conclusion, Uber provides insurance coverage for passengers in the event of an accident. The coverage includes bodily injury and property damage, and it is contingent on the driver's personal insurance. If you are injured as an Uber passenger, it is important to take the necessary steps to protect your rights and ensure you receive the compensation you deserve. Consult with an experienced rideshare attorney to guide you through the process and maximize your insurance coverage.