Midland Uber Accident Lawyer

Uber provides insurance coverage that varies depending on the driver’s status at the time of the accident. Understanding these coverage periods helps determine which insurance policy applies to your accident:

Period 1: When the driver is logged into the app but has not accepted a ride request. 

During this period, Uber provides contingent liability coverage, which means the driver’s personal auto insurance is the primary coverage. If the driver’s personal insurance does not cover the accident or provides insufficient coverage, Uber’s contingent liability coverage steps in. This coverage includes:

• $50,000 per person for bodily injury
• $100,000 per accident for bodily injury
• $25,000 per accident for property damage

Period 2: When the driver has accepted a ride request and is en route to pick up the passenger. 

During this period, Uber’s primary liability coverage is in effect, offering higher levels of protection. This primary coverage ensures that both the driver and passengers are covered from the moment a ride request is accepted until the passenger is picked up. The coverage includes:

• $1 million in third-party liability
• Contingent comprehensive and collision coverage (if the driver has such coverage on their personal policy), with a $1,000 deductible

Period 3: When the passenger is in the vehicle. 

This period covers the time from when the passenger enters the Uber vehicle until they exit at their destination. Uber provides its highest level of coverage during this period, which includes:

• $1 million in third-party liability
• Uninsured/underinsured motorist bodily injury coverage, ensuring protection if another driver is at fault and lacks adequate insurance
• Contingent comprehensive and collision coverage (if the driver has such coverage on their personal policy) with a $1,000 deductible

Each period has specific coverage limits and conditions, impacting the claims process and the compensation you may receive. By identifying the driver’s status at the time of the accident, you can better navigate the insurance claims and ensure you are adequately covered for your injuries and damages.