What Happens If You Are Hurt in an Uber Accident?

Uber Accident

People use ridesharing services for a variety of reasons, including safe transportation during a night out where they may drink alcohol, and getting to and from an event without adequate parking. Available in 10,000 cities across 71 countries, Uber is the leading global rideshare app. Uber’s monthly active user pool grew from around 19 million in 2016 to 93 million by the end of 2020. In fact, Uber has a 68 percent share of the American ride-hailing service market – down from earlier market share due to the increase in the use of its competitor Lyft. Despite Lyft being a competitor, Uber remains the most downloaded rideshare app, installed 95 million times in 2020 alone (Lyft was only downloaded 25 million times in that same year). With this explosive growth and increased use of rideshare services come a variety of dangers. Passenger safety is an ongoing issue, with many wondering what happens if you are hurt in an Uber accident?

Ridesharing Accidents Pose Unique Legal Complications

While often a safer alternative, Uber accidents do happen, and with them have come many new and unique legal issues such as determining liability. While the vast majority of passenger vehicle accidents have easily determined liability, in a rideshare collision, it is not as simple to determine who is responsible for an uber accident, who will pay for the resulting damages, and whether the injured passenger is to deal with the driver or the company itself – or both. The liability determination depends upon a variety of factors, including the state in which you are injured and what stage of the Uber process the driver is engaged in at the time of the auto accident.

Determining fault is crucial to moving forward with any car accident claim, but when an Uber or Lyft driver causes an accident, whether their app was activated, whether they were on the way to pick up a passenger, and/or whether they were transporting passengers all affect which insurance policy will cover damages and how much coverage will be available.

Car insurance is the primary method by which motor vehicle accident victims recover financial compensation for their injuries after a crash. While Uber has insurance, its drivers must also carry personal vehicle insurance. In some cases, the company’s insurance is only available as a secondary source after the driver’s coverage. In other cases, there is no insurance coverage available at all. While you may have seen or read that Uber provides $1 million in coverage, this money is not available in every rideshare collision scenario. For example, if a driver’s rideshare app is not open and/or they are not actively accepting passengers for rides, Uber’s insurance policy is not involved and cannot be accessed if someone gets hurt.

Rideshare Trip Components

Stage One: The Uber app is open and the rideshare driver is waiting for a ride request to come in

If an accident occurs during this stage, there will be $50,000 available per person but only up to $100,000 total per accident in bodily injury coverage. There will also be $30,000 worth of property damage liability coverage per accident.

Stage Two: The Uber app matches the driver up with a passenger but the pickup has not yet occurred

If an accident occurs during this stage, there will be $1 million available in bodily injury coverage, $1 million in third-party liability coverage, and $1 million in uninsured or underinsured motorist protection.

Stage Three: The Uber driver has picked up the passenger

If an accident occurs during this stage, there will be $1 million available in bodily injury coverage, $1 million in third-party liability coverage, and $1 million in uninsured or underinsured motorist protection. This phase ends once the passenger is dropped off.

Many Different Parties Can Be Injured in an Uber Accident

According to a study conducted by the University of Chicago and Rice University, rideshare companies are responsible for a two to three percent increase in the total number of fatal traffic accidents. While we may immediately think only of an Uber passenger as being the victim of a rideshare accident, several parties can be hurt when ridesharing goes awry, including:

  • The Uber passenger
  • The rideshare driver
  • Another driver hit by an Uber
  • A pedestrian

Pittsburgh Uber Accident Lawyers

If you were injured in a ridesharing crash, you deserve financial compensation. But, getting fairly paid for this type of car accident is neither simple nor easy. If you were a passenger, driver, or pedestrian in an accident involving Uber or Lyft, you may be eligible for compensation from both the driver’s and Uber’s insurance companies. Our Pittsburgh Uber accident lawyers have successfully handled rideshare injury claims and we are here to help those in need. Reach out to SMT Legal today by contacting us for a free, no-obligation, confidential consultation for your Uber injury claims.

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