Ridesharing is an incredibly popular form of transportation that is convenient, affordable, and often the safest way to get to one’s destination. But while taking an Uber may be an ideal way to get around, liability and insurance coverage in the event of an Uber accident can be complicated. If you’re injured while riding in an Uber in Massachusetts, here’s an overview of what you should know about how to recover compensation–
Liability for an Uber Accident
Like all types of car accidents that occur in Massachusetts, liability for an Uber accident will be based on fault. So, if the accident was the fault of the Uber driver, then the Uber driver’s insurance coverage (either personal insurance coverage or coverage through Uber) will apply. If the accident was the fault of the other driver, then that driver’s liability insurance coverage will kick in.
When Uber’s Insurance Coverage Kicks In
Uber provides its drivers with insurance coverage; however, when the insurance coverage kicks in and how much applies depends on the driver’s status at the time of the crash. According to Uber’s website:
- If the driver is offline and the driver’s Uber app is turned off at the time that an accident occurs, then the driver’s personal car crash liability insurance will apply.
- If the driver is available (has the app turned on) and is waiting for a ride request at the time of a crash, then Uber maintains third-party liability coverage if the driver’s personal insurance coverage doesn’t apply.
- If the driver is en route to pick up a rider or has a rider within their vehicle at the time of a crash–the situation that is most pertinent to someone who is injured while riding within an Uber–then Uber maintains $1,000,000 in third-party liability coverage, uninsured/underinsured motorist bodily injury coverage, and even comprehensive and collision coverage for the driver.
This means that if you are injured in a crash, you may be able to file a claim against Uber’s insurance coverage for damages. In some cases, liability may be shared by multiple parties.
Call an Experienced Massachusetts Personal Injury Attorney Today
Navigating the rules and processes for recovering compensation after an Uber car accident can be confusing and, even if there are multiple sources of insurance coverage available, an insurance carrier may deny your claim or try to offer you less than you deserve. In order to improve your chances of recovering your maximum compensation award, it’s smart to work with an experienced Massachusetts car accident lawyer who has represented rideshare accident victims in the past. At The Law Offices of Alan Hildreth King & Associates, our attorneys have the knowledge your case demands and the dedication you deserve.
To schedule a free consultation with our Massachusetts personal injury law firm, please send us a message online telling us more about your case or call our office at (281) 284-2900.