Over the last few years, the Printy Law Firm Tampa office has seen a rise in clients reaching out to us for representation while injured in an Uber accident.  We thought this information would be helpful to you as you navigate your choices when it comes to ride-sharing.

With the rise of rideshare services like Uber, more people are relying on the convenience of getting from place to place with just a tap on their phones. But what happens when an Uber ride ends in an accident? Whether you’re driving for Uber or riding as a passenger, it’s important to understand your rights, what insurance applies, and how you can seek compensation if you’re injured.

Uber’s Insurance Coverage: Who’s Protected and When?

Uber provides tiered insurance coverage depending on the driver’s status in the app. This coverage can protect both the driver and passenger—but it varies significantly depending on the stage of the ride.

1. App Off (Driver Not Working)

If the driver’s Uber app is off:

• Uber provides no coverage.
• Only the driver’s personal insurance applies.
• Passengers are not involved at this stage.

2. App On, No Ride Accepted (Driver Waiting for a Request)

If the driver is online but hasn’t yet accepted a ride:

• Uber provides contingent liability coverage:
  • $50,000 per person / $100,000 per accident for bodily injury
  • $25,000 for property damage
• Passengers are still not involved, but Uber drivers could be covered if hit by another driver while waiting for a ride.

3. Ride Accepted to Drop-Off (Active Ride)

Once the driver accepts a ride request and until the passenger exits the vehicle:

Uber’s full commercial insurance applies, including:

• $1 million in third-party liability coverage
• Uninsured/Underinsured motorist (UM/UIM) coverage
• Contingent collision/comprehensive coverage for the vehicle (if the driver has this coverage personally)

This is the most important coverage phase for both Uber drivers and passengers. If an accident happens during this period, both parties are covered by Uber’s insurance—even if the at-fault driver is uninsured or flees the scene.

Rights of Uber Passengers After an Accident

As a passenger, you are almost never at fault, and you’re entitled to compensation for:

• Medical bills
• Lost wages
• Pain and suffering
• Future rehabilitation or long-term care, if needed

You may be covered under Uber’s $1 million insurance policy or have grounds to bring a personal injury claim against:

• A negligent Uber driver
• Another driver involved in the crash
• A third-party (e.g., a municipality if road conditions played a role)

It’s important to report the accident through the Uber app and seek legal advice quickly to protect your rights.

Rights of Uber Drivers After an Accident

Uber drivers have rights too—but the process is often more complex. Because Uber classifies drivers as independent contractors, they are not eligible for workers’ compensation. Still, injured drivers may seek recovery through:

• Uber’s commercial insurance (if they were online/engaged in a ride)
• Their own insurance policy
• Filing a claim or lawsuit against another at-fault driver

Drivers may face denied claims, delayed payments, or disputes about fault. Legal representation can make a significant difference in these situations.

Common Challenges for Drivers and Passengers

1. Insurance Denials
   Uber or third-party insurers may dispute claims based on app status or fault.
2. Delays in Compensation
   Insurers often move slowly or offer inadequate settlements without legal pressure.
3. Multiple Parties Involved
   In multi-car accidents, liability may be spread across several drivers, requiring thorough investigation.
4. Lack of Legal Guidance
   Rideshare cases are still evolving under the law. Many people miss out on compensation by not understanding their rights.

What to Do If You’re Involved in an Uber Accident

Whether you’re a driver or a passenger, follow these steps:

1. Call 911 and seek medical attention.
2. Report the crash to police, Uber, and your insurance company (if applicable).
3. Gather evidence: photos of the scene, screenshots of the app, names of witnesses, medical records.
4. Speak to an experienced rideshare attorney before accepting any settlement.

Let Us Help You Move Forward

At The Printy Law Firm, we know how stressful rideshare accidents can be—especially when injuries, insurance claims, and lost income are involved. Our team has experience representing both Uber drivers and passengers, and we’re committed to securing the maximum compensation you deserve.

📞 Contact us today for a free consultation. Don’t navigate this alone—we’re here to help you every step of the way.