People favor rideshare companies such as Uber for their affordability, convenience and safety. Unfortunately, however, while riding with such a company, you may still get into motor vehicle accidents that may result in serious injuries.
Understanding who may bear financial responsibility for your injuries may help you protect yourself and your rights after a rideshare accident.
The other driver
Sometimes the other drivers cause collisions involving on-duty rideshare vehicles. In such cases, you have the option to seek compensation through the other drivers’ insurance carriers or to take legal action against them. The damages you may recover include medical expenses, lost wages, pain and suffering, and other such losses.
The rideshare app
According to Uber.com, the company covers motor vehicle accidents involving contracted drivers under some circumstances. If you get into a wreck while on an Uber trip, the company’s $1 million auto insurance policy may cover your injury-associated losses. Uber’s insurance only applies if the rideshare driver has the required state coverage, however, it takes precedence over that coverage in paying out collision damages.
The rideshare driver
Rideshare drivers who get into crashes in between trips still have coverage by Uber’s third-party liability policy. If you suffer injuries in a collision caused by a rideshare driver and you are in another vehicle, Uber’s policy covers bodily injury up to $50,000 per person per accident, for a total of $100,000 per accident. Uber’s policy also covers property damage up to $25,000 in such wrecks.
Suffering injuries in a rideshare accident may throw your life into upheaval. However, options exist for you to pursue compensatory damages that may help support you as you focus on recovering and moving forward.