An Uber Driver Crashed Into My Vehicle

Q: An Uber driver crashed into my vehicle. Does the driver’s personal liability policy apply or does Uber’s?

A: Which liability policy will apply generally depends on the Uber driver’s "status" at the time of the crash. Here is an overview of the different statuses and their respective coverages:

• OFFLINE (the vehicle is driven solely for personal use and the app is not active): The driver’s personal liability coverage will apply.
• AVAILABLE (the driver has activated the ride-share app and is ready to accept passengers): Uber provides a $50,000 per person injury limit and a $100,000 per incident injury limit (in the event that more than one person is injured).
• EN ROUTE (the driver has accepted a passenger request and is en-route for pick-up): Uber provides $1.5 million in liability coverage.
• ON TRIP (the driver is transporting a passenger to their destination): Uber provides $1.5 million in liability coverage.

Due to the limited nature of this article I cannot thoroughly evaluate and answer the question presented. Please give my office a call for a proper consultation.

About the Author

Steve Dimopoulos is a personal injury attorney and bar exam expert having scored in the 99th percentile (top one percent nationally) on the multi-state bar exam. Dimopoulos has recovered millions on behalf of clients in Nevada, Florida, and Michigan, the three states in which he is licensed. Submit your personal injury questions to [email protected].