There are many advantages to working for ridesharing companies, such as Uber. The process to sign up to work for said companies is generally seamless, and the schedule is both flexible and convenient. It’s easy to see why these programs are sought after.
However, it is very important to consider what may happen if you were to get into an accident while you were on the job. Because Uber requires you to have your own private insurance, it’s important to understand the ins and outs of what this means for you personally if you were ever involved in an accident while driving.
Although there are many good aspects to Uber, generally the companies will ask you to fend for yourself if you were to ever get into an accident. Because this could lead to thousands of dollars in settlement costs, it’s essential the basics if this were to ever happen to you.
Since you are an independent contractor when driving for Uber, there are different terms that are important to understand if you were to ever get into an accident. These ridesharing companies do provide some coverage, but this coverage is limited to very specific times and circumstances.
- If a driver has not switched his or her driving app to “on”, they are considered offline. If the driver were to get into an accident during this time, they would need to go through their private insurance.
- If a driver has switched his or her driving app to “on”, they are considered available, even if they are simply just waiting in their car until a ride comes through. When a driver is considered available, the driver will be covered by Uber’s coverage insurance to a certain extent ($50k injury, $25k property, $100k total).
- Once the driver has accepted a ride request, they are considered en route. If they are driving to pick up their passenger or passengers and an accident occurs, Uber will cover the full insurance ($1M liability/$1M uninsured/underinsured motorist injury/and contingent collision/comprehensive).
- Once the driver has picked up the rider, they are then considered on trip. If an accident were to occur during this time, then the driver by Uber’s fill insurance ($1M liability/$1M uninsured/underinsured motorist injury/and contingent collision/comprehensive).
Because there are so many different situations where an Uber driver could or could not be covered, it’s important to have plenty of evidence if you are in an accident while driving.
Although Uber does have some insurance coverage for its drivers, the company may fight you on any claim you submit. With so many different instances, it’s important to have someone on your side to help you get a fair settlement and make sure you are covered.
An experienced ridesharing lawyer can help fight on your behalf, and ensure that you are not drowning in bills that are not your responsibility to pay. We have years of experience in protecting drivers of ridesharing companies in circumstances like this.
We would love to help. Contact us with an inquiry today and we will make sure you are treated with fairness and respect.