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Uber is a ride-sharing service that has increased in popularity in recent years. If you use Uber often, you may be asking yourself, “What happens if an Uber driver gets into a car accident?” Keep reading to find out the answer to this question.
Uber’s Insurance Requirements and Policies
Although Uber has its own company insurance to protect itself as well as its drivers from liability due to accidents, all Uber drivers must have individual insurance policies of at least the minimum required by the laws in their state.
In the event an accident arises, Uber drivers are required to submit an accident report to Uber and call for medical attention if their passengers need it. The accident report will be sent to an insurance company so that it could be evaluated. In some cases, Uber drivers may be responsible for an insurance deductible.
While Uber passengers are not required to report an accident, they will be contacted as soon as the driver reports it. Passengers will likely receive a phone call from an Uber representative who will ask them questions about the accident.
Insurance Related Complications
In the majority of situations, passengers will be covered by the insurance policy of the Uber driver. However, if an Uber driver has not complied with Uber’s insurance requirements or failed to inform their insurance company that they work for Uber, passengers may not be covered.
For this reason, it is essential for Uber drivers to inform their insurance providers that they are using their vehicle for commercial purposes. Fortunately, most insurance companies offer rideshare insurance which can give Uber drivers peace of mind.
What to Do If You Get Into a Car Accident with an Uber Driver
If you suffered an injury in a car accident that involved an Uber driver, you should take the following steps:
Consult Our Hinsdale Car Accident Lawyers
It can be frustrating to be involved in a car accident while using Uber or another ridesharing service. If you have been hurt in a rideshare accident, you should reach out to our DuPage County car accident lawyers today at 630-920-8855. We can investigate your situation, help you sort through any confusion, and ensure you are not liable for someone else’s negligence.