New York has seen a major increase in the use of TNC (“transportation network company”) services as a means of transportation. Among the most widely used TNC “rideshare” companies is Uber.
What happens when an Uber driver or an Uber passenger, or both, get injured in a rideshare accident in New York? Specifically, how much insurance coverage is available to the driver and his or her passengers for their injuries? The answer depends on the status of the Uber driver at the time the rideshare accident occurs.
If an Uber driver is involved in an accident while the Uber ride application is offline, he or she is covered under their insurance policy.
If an Uber driver is “online”, but without a passenger when involved in an accident, then he or she must file a claim through their insurance company. However, Uber may provide an additional $50,000 per injury and $25,000 for property damage in the event an Uber driver is involved in a rideshare accident while online.
If an Uber driver has either accepted a trip through the application and is en route to the passenger, or if a driver is heading to the destination with passengers in tow. Then all parties may be covered under Uber’s 1 million dollar liability policy. In addition, the driver and passengers may be entitled to Uber’s 1 million dollar uninsured/underinsured motorist injury policy if the other driver involved in the rideshare accident does not have insurance, or lacks sufficient insurance.
Key Takeaways
- Rideshare accident insurance coverage varies dramatically depending on whether the Uber driver was offline, online without a passenger, or actively transporting passengers when the crash occurred.
- Uber provides up to $1 million in liability coverage and uninsured/underinsured motorist protection when drivers are en route to pick up passengers or actively driving with passengers.
- Victims of rideshare accidents may need experienced New York car accident attorneys to navigate the complex insurance claims process and maximize their recovery.
Don’t Let Insurance Companies Minimize Your Rideshare Accident Claim
Rideshare accident cases involve complex insurance coverage rules that can significantly impact your compensation. Whether you suffered a neck injury car accident as a passenger or were hit by an Uber driver, you need experienced legal representation to protect your rights. Our skilled car accident lawyer Staten Island team at Grandelli & Eskenasi understands the intricacies of rideshare insurance policies and will fight to secure the maximum compensation you deserve for your injuries. Call (212) 668-8400 to consult.
How much insurance coverage is available in a rideshare accident?
Coverage depends on the driver’s status—offline accidents use personal insurance, while active trips are covered by Uber’s $1 million liability policy. A car accident lawyer Staten Island residents trust can help determine which coverage applies to your case.
Can I sue Uber directly after a rideshare accident?
You may be able to pursue claims against Uber’s insurance policies, depending on the circumstances of your accident. New York car accident attorneys can evaluate your case and determine the best legal strategy for maximum compensation.
What if I suffered a neck injury in an Uber accident?
Neck injury car accident cases in rideshares can be complex due to multiple insurance policies involved. An experienced attorney can help you navigate the claims process and ensure you receive proper compensation for medical expenses, lost wages, and pain and suffering.
