Understanding the Protection: The Type of Insurance Uber Provides for Their Drivers and Passengers

Navigating through public transportation or paratransit services such as Uber can often invite unexpected challenges – especially in the event of a catastrophe like a traffic accident. Hence, understanding the nature and extent of coverage Uber provides to its drivers and passengers becomes crucial.

Uber, the leading rideshare company, has evolved a comprehensive insurance mechanism aimed at providing its drivers and passengers with a safety net. The insurance coverage varies and is based on the different periods of an Uber journey. Alabama personal injury lawyer, Stephen Thompson, with his extensive experience in vehicular accident claims, can provide invaluable advice in case you get entangled in an Uber-related accident issue.

Periods of Uber Insurance Coverage

Uber's insurance coverage is segmented into three periods:

  1. Offline or the App is Off: In this case, a personal auto insurance policy of the driver is in effect.
  2. App is On, and the Driver is Available or Waiting for a Ride Request: Uber provides liability coverage if the driver's auto insurance doesn't. The coverage extends to $50,000 per person/accident and $25,000 for property damage/accident.
  3. From the Time a Ride is Accepted to Its Completion: This is when the coverage is most robust. It includes $1 million third-party liability, uninsured/underinsured motorist bodily injury, contingent comprehensive & collision (up to the actual cash value of the car with a $1,000 deductible).

Insurance for Uber Passengers

As an Uber passenger, you are protected under the $1 million liability and uninsured/underinsured motorist bodily injury policy. However, the compensation process could be intricate, making it crucial to consult an experienced Alabama personal injury lawyer if you're an injured passenger.



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Car Accidents involving Uber

Car accidents are often severe and can attract more serious injuries and damages. If you're an Uber driver or a motorist involved in an accident during an Uber trip, you are entitled to Uber's insurance coverage. This is where a seasoned car accident attorney like Stephen Thompson can uncomplicate matters and ensure you procure your rightful claim.

For drivers and passengers in Alabama, if they are involved in an accident with a ride-share driver, it is crucial to protect their rights. They must understand that making claims under Uber's insurance policy warrants dealing with complex layers of legal hurdles, hence needing a professional attorney to navigate the process.

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.

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