Can you sue your Uber driver if they cause a wreck and you’re injured in it?
The short answer is yes – but you may not need to.
Let’s start by explaining that Uber and other ride-sharing services like Lyft have completely revolutionized the transportation system. It’s typically faster and cheaper than a taxi, but it may not necessarily be safer as ride-sharing services sometimes aren’t as well-regulated as livery vehicle services. However, many states, counties and cities have imposed regulation on ride-sharing services to bolster safety for the general public. And while Uber and other services have fought tooth-and-nail to avoid having drivers classified as “employees,” the technology giant does now have insurance coverage for each driver. As Uber explains, it breaks down like this:
- If a rider is in the car, Uber offers up to $1 million in third-party liability for injuries of riders in the vehicle, other drivers, pedestrians or bicyclists (assuming the Uber driver was at-fault). There is also $1 million in UM/ UIM coverage if another party is at-fault but that person doesn’t have enough coverage to fully compensation for losses. It also covers hit-and-run accidents where the at-fault driver flees the scene.
- If a driver is on the way to pick up a rider, Uber offers the same $1 million in third-party liability and UM/UIM coverage.
- If the app is on and the driver is waiting for a pickup request, Uber pays at least $50,000 in injury liability per person and $100,000 total per crash plus $25,000 in property damage liability.