An Uber Driver Crashed Into My Vehicle

Steve DimopoulosQ: 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 consult@stevedimopoulos.com.