What happens if I get in an Accident While Driving for Uber?
Driving for Uber in New Orleans can be a convenient way to earn income, but accidents raise serious legal and insurance questions. If you’re injured while working as a rideshare driver, it’s essential to understand your rights and responsibilities. At Cueria Law Injury Lawyers, we help Uber drivers and other rideshare workers navigate the complex aftermath of an accident with clarity and confidence.
Am I Covered by Insurance While Driving for Uber?
Yes, but your level of insurance coverage depends on which phase of the Uber trip you’re in when the accident occurs:
- App Off:
If the Uber app is off and you’re not actively working, you are not covered by Uber’s insurance. Only your personal auto policy applies. - App On, Waiting for a Ride:
When the app is on and you’re waiting to accept a ride, Uber provides limited liability coverage:
- $50,000 for bodily injury per person
- $100,000 total per accident
- $25,000 for property damage
This only applies if your personal insurance denies coverage.
- En Route or Transporting a Passenger:
Once you’ve accepted a ride or have a passenger in your car, Uber’s full commercial coverage applies:
- $1 million in liability coverage
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision coverage (if you carry these on your personal policy)
Who Is Liable in an Uber Accident?
Liability can depend on several factors:
- You might be at fault, in which case Uber’s coverage may apply depending on your status at the time.
- Another driver may be responsible, which means their insurance should cover damages.
- In some cases, fault may be shared or unclear, especially in multi-vehicle accidents.
Insurance companies may try to avoid paying claims or minimize their responsibility. It’s critical to consult an experienced rideshare accident attorney before speaking to any adjusters or signing documents.
What If I’m Injured While Driving for Uber?
As an Uber driver, if you’re injured in a collision, you may be eligible for compensation to cover:
- Emergency medical treatment and ongoing care
- Lost income and future earning potential
- Pain and suffering
- Damage to your vehicle
Uber’s $1 million liability policy could apply, but eligibility and access to this coverage depend on correctly filing your claim and establishing the facts of the accident. If the at-fault driver is uninsured or underinsured, Uber’s additional coverage may fill the gap.
Can I File for Workers’ Compensation?
Uber drivers are considered independent contractors, which means you are generally not eligible for workers’ compensation benefits. However, Uber offers an optional injury protection program in some states, including Louisiana. If enrolled, you may receive limited benefits such as:
- Replacement of lost earnings
- Medical expense reimbursement
If you’re not sure whether you’re enrolled or what your options are, a personal injury lawyer can help you determine the best path forward.
Why You Should Speak With a Uber Accident Attorney
Accidents involving Uber drivers are more complex than typical car crashes. A rideshare accident attorney can:
- Investigate the crash and identify liable parties
- Communicate with Uber and all involved insurance companies
- Ensure all deadlines are met and forms are properly filed
- Negotiate aggressively for a fair settlement
- Represent your interests in court if necessary
Even if your injuries seem minor, a legal consultation can help protect your rights and ensure you don’t leave money on the table.
Injured While Driving for Uber? Call Cueria Law Injury Lawyers Today
If you’ve been injured in an Uber accident while driving in New Orleans, don’t try to navigate the legal maze alone. At Cueria Law Injury Lawyers, we have the experience and dedication to help you protect your rights and secure the compensation you deserve.
📞 Call us today at (504) 525-5211 or contact us online for a free consultation.
