Uber and Lyft Insurance Claims and Car Accident

With the explosion in use of Uber, Uber-X and Lyft services in Atlanta and most large towns in Georgia, there are naturally going to be accidents and in the aftermath a bit of a mess with insurance.

Top Facts to Know:
  • Uber X drivers are covered under a $100,000 policy through Uber if their personal policy does not apply.
  • Uber drivers have commercial limo policies of $1,000,000.
  • No court ruling has yet held Uber corporately responsible either as the employer of the driver or for any other negligence theory.
Who Provides Insurance When an Uber Car Has an Accident?

In the early days of Uber, the company would tacitly advise the driver to put the claim through their own personal car insurance. Most Uber drivers are ignorant of the details of a personal auto policy and the devil is in there. Personal policies all exclude insurance coverage after an accident if the car is being used for hire. That means if an Uber driver is "on the clock" :
  • If the driver causes a wreck, his own damage and any he causes is not covered by his insurance.
  • If he is hurt in a crash, his underinsured motorist insurance won't cover him.
A number of States are passing legislation requiring that Uber or Lyft provide insurance any time the app is activated, regardless of whether the car has a passenger inside the vehicle or not.

Uber X responded by putting in place $100,000 liability policies that will cover injuries to Uber customers and to anyone the Uber driver harms. In their defense, that is 4 times the coverage that a typical crummy cab insurance company provides.

Regular Uber drivers are all commercially insured limo vehicles with $1,000,000 in liability insurance.

With the increasing number of drivers, we foresee a situation where the insurance market will likely come out with hybrid business/personal policies that will provide flexibility in insurance coverage in the near future.

The bottom line with ride booking apps is that the insurance landscape is shifting constantly and your best option if you are in a crash with these guys is to consult with an experience accident insurance lawyer.
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