You are currently viewing I was in an Uber Accident, Now What?
  • Post last modified:October 5, 2020
  • Post category:Insurance

Anytime you are in an auto accident, it can be unnerving. Whether you are driving or riding as a passenger, it is a stressful situation. So what happens if you are a passenger in an Uber or as a driver?

What to do After an Accident as an Uber Passenger

As a passenger, Uber’s insurance policy has you covered. Uber’s blog states that “While policies can vary, as a minimum, it covers the driver’s legal liability for the death of, or bodily injury to passengers and other third parties (e.g., a pedestrian) caused by driver’s negligence.” When it comes to insurance coverage, it is simply unlimited for legal liability for bodily injury due to the Uber driver’s negligence.

If you are in an Uber accident as a passenger, you can make a direct claim against the driver’s compulsory insurance. Depending on the situation, the details you need may not always be readily available right after an accident. However, Uber can provide you with any and all the details you need.

Although there is a protocol you should always take if you are in an Uber accident as a passenger, the first thing you should do is call 911. If possible, take plenty of pictures of the accident or wreck. Remember, our mobile app can certainly help with this step. Write down names, phone numbers, and email addresses of the driver as well as any witnesses on the scene. 

Interested in learning more about our mobile app? Click here!

Dori holding our mobile app

After that, be sure to take a couple of screenshots of your Uber ride and receipt on your phone, and finally, hire a lawyer if you’re injured or have any medical bills after the Uber accident. Your lawyer should immediately send the preservation of evidence letters to Uber and the driver who was in the accident. This way, you can ensure they preserve all the data related to your ride. It’s essential to have detailed/documented information involving the Uber accident; this way, you are adequately covered.

What to do After an Accident as an Uber Driver

The steps to follow after an accident when you are driving for Uber, aren’t too much different than if you were driving. However, depending on where you are at on the ride will determine how the accident is covered. According to Uber:

Offline or Uber app is off

  • Your chosen personal insurance company and coverages apply

Available or waiting for a ride request

Uber maintains the following auto insurance on your behalf in case of a covered accident

Third-party liability if your personal auto insurance doesn’t apply¹

Uber app on phone with car in the background
  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $25,000 in property damage per accident

En route to pick up riders and during trips

Uber maintains the following auto insurance on your behalf in case of a covered accident

  • $1,000,000 third-party liability
  • Uninsured/underinsured motorist bodily injury²
  • Contingent comprehensive and collision³
  • Up to the actual cash value of the car ($1,000 deductible)

Steps to Follow After an Auto Accident

  4. CALL 911

The Takeaway

We’d hate to see any of our clients or customers get into an accident of any sort. Still, in the off chance you do get into an Uber accident, we want you to stay prepared. If you have any questions about your coverage as a passenger, your coverage as a driver, or any other insurance-related inquiries, our professional, licensed insurance agents are here to help. Reach out to us today!