Dealing with Insurance Companies After an Uber Accident

Road accidents are always daunting, but when they involve rideshare companies like Uber, the legal and insurance aspects can become a bit more complex. Alabama’s personal injury law, which includes automobile accidents, becomes a key area of focus. If you find yourself in such a situation, it's crucial to enlist the help of an experienced Alabama personal injury lawyer like Stephen Thompson. This article aims to provide an informative guide on how to deal with insurance companies after an Uber accident in Alabama, a topic that many riders or drivers may find themselves needing valuable insights on.

Understanding Uber Insurance Coverage

Uber maintains a $1 million liability coverage policy that offers protection to passengers in the event of an accident. This coverage begins when the Uber driver accepts a ride request and lasts until the ride is completed and the passenger has exited the vehicle. However, there are gray areas, especially if the Uber driver is “on app” (i.e., available for hire but hasn’t accepted a ride request yet) when the accident happens. In this case, Uber’s liability coverage may not apply, pushing the accident toward personal insurance.

Complications with Personal Auto Insurance

If the accident happened when the driver is not 'on trip’ with a passenger, typically, the driver's personal auto insurance would come in play. However, this might not be straightforward as many insurance policies have a “commercial use” exclusion clause that voids the coverage if the vehicle is used for business, which includes ridesharing. It often leaves drivers vulnerable and perplexed about their coverage status.

The Importance of an Experienced Attorney

Engaging an experienced Alabama auto accident lawyer or personal injury attorney is crucial in navigating these complications. Stephen Thompson, a renowned personal injury lawyer, offers expertise in dealing with such intricate insurance claims. His proficiency in Alabama's state laws stands out in litigating claims with insurance companies on behalf of clients, helping them get proper compensation.

Reporting the Accident

After ensuring everyone's safety at the accident scene, it's important to report the accident to both Uber and the insurance companies. This step is crucial as it initiates the claims process. Ensure every detail is captured, including pictures and videos of the accident scene, witness contact information, and any police reports. This documentation could be pivotal down the line if there is any dispute regarding liability.

Negotiating with Insurance Companies

Insurance companies are primarily profit-based organizations, and they'll often attempt to minimize payouts. That's why an experienced attorney is your best ally at this stage. Hiring a professional legal expert like Stephen Thompson helps you have an informed, formidable representative to handle tough negotiations. His insight and expertise can prove beneficial in securing a satisfactory settlement to cater for damages, medical bills, lost wages, and other accident-related costs prevalent in personal injury cases.

Communicating with Insurance Companies

Enlisting the help of an attorney also helps manage communication with insurance companies. Post-accident, it's not advisable to provide statements to insurance companies without professional legal guidance, as anything you say could be used to lower compensation. Your lawyer will handle all correspondence with the insurance company, ensuring your interests are always protected.


Dealing with insurance companies post an Uber accident can be a complex procedural maze. While Uber provides a liability coverage policy, its application varies based on the circumstances of the accident. Consequently, having someone acquainted with Alabama's intricate personal injury laws and adept at dealing with insurance companies is vital. As a personal injury lawyer in Alabama with a keen focus on motor vehicle accident injuries, Stephen Thompson could be that ally you need. His expertise in handling complex claims and his commitment in fighting for his clients' rights ensure a smoother and more successful journey through the claims process.

Looking for Answers About Your Accident?

Contact us for your FREE Case Evaluation and get the ANSWERS you're looking for.

Free Initial Strategy Session

All Initial Strategy Sessions are Free. If you would like to discuss your options, you are invited to fill out one of the Contact Forms. I will attempt to contact you if I think I can help you.

During your Initial Strategy Session, I will asist you in creating a strategy on how to best pursue your claim, whether it be the result of a Car Accident Claim, 18 Wheeler Injury, or, Alabama Workers' Compensation Claim. At your Initial Strategy Session, you will receive the following:

  • First - I will listen to your story. You will have a chance to tell everything to someone who wants to hear what happened to you.
  • Based on the information that you provide, I will give you my best advice on both what claims you have, and the next steps you should consider to proceed with your claim(s).
  • If your claim is something that I think I can help you with, I will explain the services that I can provide for you, and what the next steps are that we should take. We will start working immediately.
  • If your matter is something that I do not think I can help you with, then I will attempt to put you in contact with another lawyer that might be able to help you.
  • Either way, what should happen is we will put to rest some of the unkowns that you may be experiencing. We will start to shed some light on what you can expect, and how to best pursue the benefits you deserve.

Don't delay getting the recovery you deserve! Contact us today for your free Strategy Session!

-How Can I Help?-

-Information Center-
-Common Questions-
-Types of Injuries-