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 (702-706-1138) for a proper consultation.