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Understanding Uber's insurance coverage

If and when you are in an accident in your own car in Conroe, you may rest easy knowing that your insurance will cover at least a portion of your expenses. It has been our experience here at The Bryant Law Firm that people worry most when they are in accidents while traveling as passengers of others. The recent rise in the popularity of ride-share services makes it easier to get to where you need to go without having rely solely on a personal vehicle. Yet what sort of insurance coverage can you expect if you are involved in an accident with a ride-share vehicle? 

The largest ride-share service (in terms of market share) is Uber. They have an insurance policy (that many other services model) that covers their drivers in different scenarios. For example, if you are in accident while riding as a passenger of an Uber driver, then Uber's insurance policy will extend up to $1 million in third party liability coverage if the Uber driver is at fault. The same amount is available in uninsured/underinsured coverage if you are in an accident in an Uber vehicle and the other driver is at fault (and he or she does not have auto insurance). 

What if you are hit by an Uber vehicle while driving your own car? Insurance coverage then depends on what the driver was doing at the time of the accident. If he or she was transporting a fare (or on his or her way to pick up one), then the aforementioned amount of third party liability insurance would cover you. If he or she was simply driving with the app on, then Uber offers $100,000 in bodily injury coverage, and $25,000 for property damage. 

More information on auto insurance issues can be found here on our site. 

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