Uber Insurance Claims

A lawyer can help you get the compensation you deserve after an Uber accident

Rideshare services like Uber have made getting around Tampa more convenient, but dealing with insurance claims can quickly become complicated when an accident happens. Whether you were a passenger, driver, or another motorist affected by an Uber accident, you have a right to file a claim. But after a car accident involving an Uber driver, you may have to deal with multiple insurance policies, liability questions, and strict claim processes.

At Armando Personal Injury Law, we know how frustrating it can be to deal with insurance companies that try to minimize payouts or deny valid claims. Our experienced team is dedicated to protecting your rights and helping you get the compensation you deserve. Don’t let an Uber insurance claim stress you out – let us take the lead.

“I was involved in a car accident and I didn’t know where to turn, but then I was referred to Armando Injury Law, and I’m so glad I reached out. Armando and his team worked with me throughout each step of my case for me to get the care and compensation I needed. They eased my worries and I couldn’t be more grateful for them, I highly recommend Armando and his team!” Jimmy T., ⭐⭐⭐⭐⭐

How Uber’s insurance coverage works

There is a lot of confusion about Uber insurance requirements. All drivers in the state are required to have their own auto insurance policy. Uber provides varying levels of insurance coverage depending on the driver’s status at the time of the crash. This means that whether you are a passenger, a pedestrian, or another driver involved in an accident with an Uber vehicle, the coverage available to you will depend on the driver’s activity within the app at the moment of the crash.

Uber’s driver insurance policy is designed to act as a backup, stepping in when the driver’s insurance does not cover the accident. Here’s how it works:

Offline or not using the app: If the Uber driver is not logged into the app when the accident occurs, their personal auto insurance policy applies.
Available or waiting for a ride request: If the driver is logged into the Uber app but hasn’t yet accepted a ride request, Uber provides limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 per accident for bodily injury
- $25,000 for property damage
En route to pick up a passenger or during a ride: When an Uber driver is on their way to pick up a passenger or actively transporting someone, Uber’s $1 million liability policy applies, which may cover medical expenses, lost wages, and other damages.

Who is liable for an Uber accident?

Determining liability in an Uber accident isn’t as straightforward as an average car crash. Depending on the circumstances, one or more parties could be responsible:

The Uber driver: If the driver’s negligence caused the accident, their personal insurance or Uber’s policy may apply.
Another driver: If another driver caused the crash, their insurance should cover the damages.
Uber: In some cases, Uber may be held responsible – for example, if the company failed to properly vet the driver or if a technical issue with the app contributed to the accident.

What should I do after an Uber accident?

There are several steps you can take to protect your health and your right to seek financial compensation. After a crash:

Call 911: If you are involved in an Uber accident, whether as a passenger, pedestrian, or another driver, calling 911 ensures that law enforcement arrives to document the scene. Responding officers will complete an accident report that can be very useful when filing a claim. Medical professionals will also be called to treat anyone who was injured. Even if you feel fine, get checked out. You may have an injury with delayed symptoms and medical records can document your injuries.
Document the scene: Gather the contact and insurance information of the parties involved. Take photos and video of the accident scene. Be sure to get contact information for any witnesses.
Report the accident to Uber: Uber allows passengers and drivers to report accidents through the app. This can help establish the timeline of events.
Report the accident to your own insurance company: Don’t get into any specific details or questions about fault. Just stick to the facts.
File a claim with Uber’s insurance: Uber partners with third-party insurers for claims processing. If Uber’s insurance applies, you will need to file a claim with the appropriate insurer. Uber should give you more information when you report the accident to them.
Submit required documentation: This may include medical records, accident reports, witness statements, and proof of expenses related to your injuries.
Talk to an experienced Florida car accident attorney: A lawyer can review the details of the crash and go over your legal options. If the insurance company denies your claim or offers an unfair settlement, a lawyer can help you file a lawsuit.

Common challenges in Uber insurance claims

Uber insurance claims can be complicated, and claimants often face challenges such as:

Disputes over liability: Determining fault in an Uber accident isn’t always straightforward. The involved parties may dispute who is responsible and may even try to blame you for what happened.
Low settlement offers: Insurance companies often prioritize minimizing payouts, meaning you may receive a settlement offer that does not fully cover your medical expenses, lost wages, or other damages. Many victims find themselves having to negotiate aggressively or seek legal assistance to secure fair compensation.
Delays in processing claims: Uber’s insurance providers may take time to process claims, especially if there are disagreements about liability or the extent of your injuries. The back-and-forth negotiations between Uber, its insurance carrier, and other involved insurers can lead to frustrating delays.
Denials based on policy exclusions: Insurance companies may attempt to deny claims. For example, they may argue injuries were caused by pre-existing conditions. Some claimants find their cases dismissed due to technicalities or insufficient documentation.
Difficulty accessing Uber’s insurance coverage: Since Uber’s insurance is contingent on the driver’s status in the app, insurers may try to argue that the driver was not properly logged in, limiting coverage. This can make it difficult for injured parties to prove they are entitled to Uber’s higher-tier coverage.

You have legal rights after a Florida Uber accident

At Armando Injury Law, we understand how challenging Uber insurance claims can be. Insurance companies may try to deny responsibility or offer low settlements that don’t cover your full expenses. Our team of dedicated Uber accident lawyers will fight for your rights, handling every aspect of your case so you can focus on healing.

If you or a loved one was hurt in an Uber accident in Tampa, don’t face the insurance companies alone. Contact us today for a free consultation and let us help you get the compensation you deserve.