Uber Insurance Coverage: What You Need to Know

Riding the wave of the on-demand economy, Uber has become an integral part of many people's daily commute. While this service is convenient, it also introduces new complexity into questions of liability and coverage in the event of an accident. As personal injury attorneys specializing in motor vehicle accidents, the law office of Stephen Thompson in Alabama is committed to providing you with the necessary information to protect your rights, especially after an automobile accident. Understanding Uber's Insurance Coverage is crucial whether you're a passenger, an Uber driver, or a third party involved in an accident with an Uber vehicle.

Uber’s Insurance Coverage Basics

Uber provides $1 million of liability coverage per accident. This coverage kicks in the moment a rider accepts a trip until the trip ends. However, it's important to note that this coverage applies only when the Uber driver is logged into the app and connected to a passenger. 

If an accident happens when the Uber driver is not logged into the app, the Uber insurance does not apply, and the driver's own personal auto insurance will typically cover the accident. On the other hand, if an accident occurs when the driver is logged into the Uber app but not connected to a passenger (for example, waiting for a ride request), a lower level of Uber liability coverage applies - up to $50,000 per person and $100,000 total liability per accident and up to $25,000 in property damage.

Involved in an Uber Accident in Alabama?

In light of the flexible working hours, more and more people are joining Uber as drivers. However, with more Uber drivers on Alabama's roads, the chances of accidents involving Uber vehicles have also increased. 

If you're involved in an accident as an Uber passenger, driver, or as a third party, do not hesitate to contact auto accident attorneys like Stephen Thompson. Navigating the complex realm of Uber's insurance coverage can be a daunting task, especially if you're dealing with personal injuries from an accident.

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Seeking Compensation after an Uber Accident

In the event of an accident, your first step should always be to seek medical attention and ensure your safety. Once you've taken care of immediate safety concerns, it's essential to gather evidence at the accident scene, such as photos, witness statements, and police reports. Remember, the more evidence you have, the stronger your claim will be.

Contacting a personal injury lawyer should be your next step. A lawyer will guide you through the process of filing a claim against the Uber driver's personal insurance or Uber's $1 million liability coverage based on the circumstances of the accident.

It's important to remember that insurance companies, including Uber's insurer, may attempt to minimize the compensation they provide to victims of accidents. An Alabama personal injury lawyer with experience in automobile accidents, like Stephen Thompson, will aggressively advocate for your rights to ensure you receive the full compensation you're entitled to.

Finding the Right Alabama Automobile Accident Attorney

Been involved in an Uber accident in Alabama? Stephen Thompson is your go-to personal injury lawyer, committed to protecting your rights and ensuring you receive maximum compensation. He understands the intricacies of the law, the obligations of rideshare companies like Uber, and the intricacies of insurance coverage.

The world of rideshare insurance is a complex one. The unfamiliar waters of Uber insurance coverage may be challenging to navigate, especially in the immediate aftermath of an accident. Hopefully, this article provides a clearer understanding of Uber's insurance coverage. If you ever find yourself in a situation where you require legal counsel or are seeking damages for injuries sustained in an Uber accident, Alabama attorney Stephen Thompson stands ready to fight for your rights and help you get the compensation you deserve. Understanding the law and insurance processes is his job, so it doesn't have to be yours. Reach out today for a free consultation.

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!

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