There are several important things to keep in mind when filing an insurance claim with Uber.
Millions of rides are taken with Uber each day, but what if you’re in the unfortunate position of filing an Uber Driver Claim?
The status of Uber as a ride-hailing service that provides insurance is currently in legal limbo. This uncertainty can lead to a confusing and drawn-out process if you file a claim.
Driver’s insurance typically doesn’t cover accidents when the driver is not using the Uber App.
If you’ve been in an accident while using Uber, don’t worry. You might be entitled to free car repairs, lost wages, or other compensation from their insurance.
See these guidelines for securing your claim.
Know These Important Terminologies
Third-Party Insurance
Uber offers third-party liability insurance up to the value of $1 million.
For example, if an accident occurs and a third party suffers certain costs due to the accident, you’ll be covered.
You won’t have to bear the entire cost of an accident on your own.
Uninsured Motorist Bodily Injury Insurance
Uninsured or underinsured motorist bodily injury insurance is critical if you have been in a car wreck.
If a motorist causes an accident and the damages exceed $25,000, you may be partially covered if they do not have enough coverage.
This coverage can help pay for medical bills as well as lost income. You must purchase this insurance within 30 days of securing your Uber policy.
Contingent Comprehensive And Collision Insurance
As long as you maintain comprehensive and collision coverage on your personal auto insurance, Uber maintains insurance on your behalf that will kick in to provide coverage for physical damage to the car up to its cash value, regardless of who is at fault.
You must pay a $2,500 deductible first before this coverage applies. Certain vehicles offered through the vehicle marketplace are subject to only a $1,000 deductible.
When Does Your Coverage Start?
Your coverage starts the moment you hit the go button on the Uber app.
Uber accrues the liability for the automobile for the time you are online on the app. Please remember that Uber insurance will only kick in if your automobile policy does not cover you or the amount limits are less than what Uber insurance provides.
Here are the minimum amounts covered:
- $50,000 for bodily injury in an accident in case of driver’s liability.
- $100,000 per accident.
- $25,000 when the driver is responsible.
Bottom Line
Coverage provided by Uber depends on the kind of insurance you maintain. All drivers are automatically covered under Uber’s Deductible Reimbursement option, so there is a $2,500 deductible that you must pay first before this coverage applies.
Some vehicles are incentivized and only have to pay a $1000 deductible. Do note that you do not have to sign up for injury protection. Uber automatically signs up on your behalf as part of the protection and benefits provided to you under the law.
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