Does Insurance Cover Injuries in Uber Accidents?

by | Feb 15, 2024 | Car Accident, Pedestrian Accident, Personal Injury, Uber, Uber Accidents, Vehicle Accident

Ridesharing services like Uber have revolutionized the way we commute, offering convenience, affordability, and accessibility at our fingertips. However, with this modern convenience comes the potential for accidents and injuries. If you find yourself in such a situation, it is crucial to understand whether insurance covers injuries sustained in Uber accidents.

At Kherkher Garcia, we have remained attentive to evolving laws surrounding ridesharing services like Uber. One of the more complex aspects of Uber injury cases is how insurance companies factor into any claims. The good news for those injured in an Uber accident is that our team of Uber accident attorneys knows how to manage these cases with the best chances of success.

Below, let’s take a look at how Uber insurance works, and some important considerations for those involved in an Uber accident. If you have questions, please do not hesitate to call us at 713-333-1030.

How Uber Insurance Works

Uber, like other ride-sharing companies, operates under a unique insurance framework designed to protect both drivers and passengers. This framework typically consists of three main coverage phases, each with its own set of insurance provisions.

Phase 1: Driver Offline

During this phase, the driver is offline on the Uber app and is using their vehicle for personal purposes. In this scenario, Uber’s insurance coverage does not apply. Instead, the driver’s personal auto insurance policy would be the primary source of coverage in the event of an accident.

Phase 2: Driver Available but Waiting for a Ride Request

Once the driver activates the Uber app and makes themselves available to accept ride requests, they enter Phase 2. During this phase, Uber provides contingent liability coverage, which includes:

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

This coverage applies if the driver’s personal auto insurance policy doesn’t provide adequate coverage or if it denies the claim.

Phase 3: Ride in Progress

When the driver accepts a ride request and is en route to pick up or transport a passenger, they enter Phase 3. During this phase, Uber’s commercial insurance policy kicks in, providing:

  • $1,000,000 in liability coverage for third-party injuries and property damage
  • Uninsured/underinsured motorist coverage
  • Contingent comprehensive and collision coverage for physical damage to the driver’s vehicle (subject to a deductible)

This coverage extends to both passengers and third parties involved in the accident.

Insurance for Injuries in Uber Accidents

Now that you have an overview of Uber’s general insurance terms, let’s delve into how these insurance provisions apply specifically to injuries sustained in Uber accidents. Consider the following:

Passenger Injuries

If you are a passenger injured in an Uber accident during Phase 2 or Phase 3, you are generally covered by Uber’s insurance policy. This coverage includes medical expenses, lost wages, and other damages resulting from the accident. You can file a claim with Uber to seek compensation for your injuries.

Driver Injuries

If you are an Uber driver injured while transporting a passenger (Phase 3), you are also covered by Uber’s commercial insurance policy. This coverage applies to your medical expenses and other losses resulting from the accident.

Third-Party Injuries

If you are a pedestrian, cyclist, or occupant of another vehicle injured in an Uber accident, your recourse for compensation depends on the phase of the ride at the time of the accident. If the accident occurs during Phase 2 or Phase 3, Uber’s insurance policy provides coverage for your injuries and damages. However, if the accident happens during Phase 1 and the driver’s personal insurance is insufficient or denies the claim, seeking compensation may be more complex.

Coverage Limits and Considerations

It is important to note that insurance coverage limits may vary depending on the specific circumstances of the accident and the jurisdiction in which it occurs. Additionally, Uber’s insurance coverage is contingent upon the driver maintaining an active status on the app and complying with the company’s terms and conditions.

Seeking Legal Guidance

In cases where injuries sustained in Uber accidents involve complex legal issues or disputes regarding insurance coverage, seeking guidance from a qualified attorney specializing in personal injury law is advisable. An attorney can help navigate the claims process, negotiate with insurance companies, and ensure that you receive fair compensation for your injuries.

How Common are Uber Accidents?

Determining the exact frequency of Uber accidents can be challenging due to various factors such as reporting inconsistencies, regional differences, and evolving safety measures. However, several studies and reports offer insights into the prevalence of Uber accidents:

Overall Accident Rates

Studies have indicated that ridesharing vehicles, including those operated by Uber, may have higher accident rates compared to personal vehicles. This increased risk is often attributed to factors such as increased mileage, frequent stops, and potential distractions associated with driving for hire.

Uber releases safety reports with data on fatal accidents in the U.S. Their latest report (2019-2020) shows an average of 100 fatalities per year, involving around 90 accidents.

Urban Areas

Uber operates primarily in urban areas where traffic congestion and density are higher, increasing the likelihood of accidents. A study published in the American Journal of Epidemiology found that ridesharing vehicles were involved in more accidents per mile traveled in urban areas compared to rural areas.

Driver Fatigue and Distraction

Uber drivers may experience fatigue and distraction due to long hours on the road and the constant need to interact with the app while driving. These factors can contribute to an increased risk of accidents. Like other drivers, Uber drivers are at risk for common distractions, including:

  • Cell phone use
  • Passenger distractions
  • Rubbernecking
  • Eating or drinking
  • Adjusting knobs or controls
  • Grooming
  • Fatigue

Risk Factors

Certain risk factors, such as late-night hours and weekends when demand for ridesharing services is higher, may also influence the frequency of Uber accidents. More Uber drivers on the road means more opportunities for accidents, especially in busy areas. Additionally, adverse weather conditions and road hazards can further increase the likelihood of accidents.

Safety Measures

Uber has implemented various safety measures and initiatives aimed at reducing the risk of accidents, including driver background checks, vehicle inspections, and safety features within the app. Despite these efforts, accidents involving Uber vehicles still occur.


It is important to note that not all Uber accidents may be reported or documented, particularly minor incidents or those resulting in minor injuries. Therefore, official accident statistics may underestimate the true frequency of Uber accidents.

While precise statistics on the frequency of Uber accidents may be elusive, it is clear that accidents involving ridesharing vehicles are not uncommon. As ridesharing services continue to grow in popularity and expand into new markets, understanding and addressing the factors contributing to Uber accidents remain crucial for ensuring the safety of both drivers and passengers on the road.

Getting Help With Uber Injury Claims

Passengers, drivers, and third parties involved in Uber accidents may be eligible for compensation for their injuries and damages under Uber’s insurance provisions. However, navigating the claims process and understanding coverage limitations can be complex. A claim denial or refusal only serves to make your situation even more dire.

Get help understanding Uber claims and your legal rights by contacting a skilled Uber accident attorney. At Kherkher Garcia, our attorneys will vigorously work to protect your rights and ensure fair treatment and just compensation for your injuries. Whether we negotiate with insurance companies or take your case before a judge – we have the skills, experience, and resources that you need to obtain justice and compensation.

To get started with your free consultation, call us at 713-333-1030, or complete our online contact form.

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Jesus Garcia

Jesus Garcia

Founding Partner and Trial Lawyer

This article was written and reviewed by Injury Trial Lawyer and Founding Firm Partner Jesus Garcia. Jesus has been a practicing injury lawyer for more than 20 years. He has won $150 Million+ in Settlements and Verdicts for his clients. He is a force of nature in the courtroom and the trial lawyer you want on your side if you or a loved one have been seriously injured at work or on the road. Abogado Jesus Garcia is bilingual and passionate about being the voice in the courtroom for the spanish speaking community here in Houston, across the state of Texas, and throughout the Nation.

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