Does Uber Pay for Damages After an Accident?

Uber’s insurance policies may pay for damages after an accident to cover the cost of medical bills, lost income, and certain other damages. You may also have the option of suing an at-fault driver or any other party whose negligence contributed to your accident, including Uber.

How you pursue compensation for an Uber accident should depend on your unique circumstances. A Joppatowne Uber accident lawyer can help you evaluate your options.

Who Could Receive Compensation After an Uber Crash?

Those who are harmed by the effects of an Uber accident, and who are not primarily responsible for the collision, generally can pursue compensation for their damages. This could include:

• Passengers in Ubers or other vehicles involved in the crash
• Drivers of Ubers or non-Uber vehicles
• Pedestrians or cyclists hit by an Uber driver

Surviving family members of people killed in Uber accidents could also pursue compensation for the loss of their loved one. A fatal car accident lawyer from our team is ready to serve you compassionately and with the utmost respect for your privacy and grieving process, should you need them.

Potential Ways of Recovering Compensation After an Uber Accident

If you’ve been injured in an accident involving an Uber driver—whether as a passenger, another motorist, or a pedestrian—your avenues for compensation may vary depending on who was at fault and the driver’s status at the time of the accident.

• File a claim through Uber’s insurance policy: Uber maintains commercial auto insurance coverage for accidents involving its drivers. The level of coverage available depends on whether the driver was logged into the app and whether they had accepted a ride or were transporting a passenger. When the driver is actively engaged in a trip, Uber’s insurance may provide up to $1 million in liability coverage for third-party injuries and property damage. There is some coverage if the driver was online but not picking up or transporting passengers.
• File a claim with the at–fault driver’s personal insurer: If the Uber driver or another motorist is determined to be at fault, you may be able to seek compensation through that individual’s personal auto insurance policy. This is often the first route in situations where the driver was not logged into the Uber app.
• Use your own insurance coverage: If the at-fault driver is uninsured, underinsured, or leaves the scene of the accident (a hit-and-run), your own uninsured/underinsured motorist (UM/UIM) coverage or personal injury protection (PIP) may apply, depending on your policy and state laws.
• Pursue a claim against a liable party directly: In cases where insurance coverage is insufficient or contested, you may consider legal action against the responsible party—such as the at-fault driver or another entity whose negligence contributed to the crash. This may be necessary if coverage is denied or does not fully account for your losses.

There are some scenarios where you can hold the company itself for negligence, but these are not as common. For example, Uber could have been negligent by allowing an unfit driver to contract with the ridesharing company.

It isn’t immediately apparent to many accident survivors how to seek compensation. An attorney can help pinpoint the right case strategy based on your unique personal circumstances. 

A Lawyer Can Help You Understand Your Options Following an Uber Crash

Collisions involving rideshare services like Uber can introduce complications that differ from typical car accidents. Understanding these challenges is key to pursuing the right path forward.

Insurers Use Bad-Faith Tactics and Have Complex Policies

In many scenarios, two drivers are involved in a crash. Drivers exchange information, and insurance companies sort out the rest. In an Uber accident scenario, you have the added complication of Uber’s insurance policies.

Even once you determine whose insurer should pay for which damages, you might find that insurance companies try to withhold the compensation you’re owed. Such bad-faith tactics are familiar to our rideshare collision attorneys.

At-Fault Parties Blame the Victim

If the party responsible for your accident claims you are actually at fault, this could further complicate your case. Again, this is a tactic our attorneys are all too familiar with and prepared to combat.

The Cost of the Crash Is Not Always Obvious

Determining the cost of an Uber collision can be especially difficult when:

• You suffer severe injuries
• You are disabled
• Your pain and suffering is significant
• Your vehicle is totaled

We may also need to determine if Uber or any other party should pay out of its own pocket for the cost of your damages. Let our legal team handle these and all other challenges and demands your case presents.

What Types of Damages Can a Survivor Get Money For?

Once we identify the right path to pursue compensation, our focus turns to building a full picture of your damages. This means evaluating not just what you’ve already lost, but what you may continue to lose in the future. We carefully examine:

1. The specific financial, physical, and emotional toll the accident has taken
2. Whether any injuries or hardships are ongoing or likely to worsen
3. The full value of compensation we should demand on your behalf

For Uber accident survivors, justice often comes in the form of fair financial recovery. That may include compensation for:

• Medical expenses
• Pain and suffering
• Lost income and diminished earning power
• Property damage (vehicle or otherwise)
• Losses related to wrongful death, when applicable

Understanding the value of your case is just the beginning—securing that compensation is the real challenge. Our attorneys don’t settle for less than you deserve. Either it’s fair, or we fight. From gathering evidence and negotiating with Uber’s insurer to ensuring you have access to excellent medical care and ongoing support, our team is with you at every step. You’ll have 24/7 access to our office and the confidence of knowing we’re fully invested in your recovery.

Let Our Lawyers Determine What Damages You Can Get After an Uber Accident

Trying to figure out whether Uber pays for damages after an accident can be tough to do on your own, but we are here to fight for what you are owed. However, we urge you to call as quickly as possible to protect your right to file a lawsuit. Reach out to Adam Smallow Injury Lawyers for your free, no-obligation consultation.