Like in most car accidents where someone is injured, the important question will be whether there is an applicable insurance policy to cover the damages.
Uber is a ridesharing company that operates in several cities across the United States, including Atlanta, Georgia. Uber classifies its drivers as independent contractors, and as such, the individual drivers are likely going to be solely responsible for injuries arising from negligent driving.
However, as of March 2016, Uber requires all of its drivers to maintain a three-part insurance coverage. First, driver’s carry a $1 million dollar liability policy, per incident. This coverage kicks in from the moment that the Uber driver accepts the trip to the conclusion of the trip. So, if an Uber driver that has caused a wreck while traveling to pick up a fare or while transporting a fare, then this liability coverage will apply to compensate the injured party.
Uber drivers are also required to maintain $1 million dollars in underinsured/uninsured motorist coverage. This policy would be applied in the event that another driver negligently causes a wreck that injures an passenger in the Uber vehicle, and the at-fault driver does not carry insurance sufficient to cover the damage.
Finally, the Uber driver must maintain personal insurance coverage that would apply for wrecks that occur in-between trips. To the extent that the Uber driver does not carry this coverage, then Uber maintains coverage for bodily injuries up to $50,000 per individual per incident with a total of $100,000 per accident.
If you or a loved one have been injured in a car wreck with an Uber driver, you will want to speak with an experienced car accident lawyer to determine insurance coverage. So please, don’t hesitate, call and speak to one of our Atlanta lawyers at Schenk Smith today. Our consultations are always free.