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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, the insurance picture can be frustrating.
Top Facts to Know:
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.
We wrote a detailed article breaking down the various scenarios that an Uber car accident lawyer would analyze in giving advice on what coverage applies. The core takeaways are:
Let’s assume you were riding in an Uber and another car hit your driver and you were injured. In this situation, the at-fault driver’s liability insurance would payout first, followed by any uninsured motorist insurance you carry on your own vehicle, followed by the $1,000,000 James River policy. You are very well insured when riding in Uber. Compare that to taxi cabs in Atlanta who only have $25,000 in insurance.
What if your Uber driver hit your car and it was his fault? In that situation, there would be $1,000,000 in insurance and the same would be true if you were a passenger in the Uber and the Uber driver caused a crash.
Probably yes but it depends. There are two situations to analyze:
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