Determining liability in an Uber accident can be more complicated than in regular car crashes. Multiple parties and insurance policies are often involved.
When the Uber Driver Is at Fault
If the driver caused the accident and was logged into the app:
- Before accepting a ride: Uber provides limited coverage — $50,000 per person and $100,000 per accident.
- During an active trip: Uber offers up to $1 million in liability coverage.
When Another Driver Is at Fault
If another motorist caused the accident, their insurance should cover damages. However, it may take time to coordinate between their insurer and Uber’s coverage.
When Both Parties Share Fault
Sometimes responsibility is split. In these cases, claims may involve both the Uber driver’s insurance and the other driver’s insurer.
Why Legal Help Matters
Accident liability can get complicated fast. An attorney can analyze police reports, witness statements, and insurance policies to determine who’s responsible and make sure you get fair compensation.