As the popularity of ride-share services like Uber have increased in recent years, so have the number of car accidents involving Uber drivers. Uber has been especially popular in large cities like Atlanta and its surrounding suburban cities, such as Marietta, Smyrna, Decatur, Alpharetta, and Dunwoody. If you have been injured in an Uber accident, you may be wondering what your options are. What insurance applies if I’m a passenger in an Uber and an accident happens? What happens if an Uber driver hits me? Can I file a lawsuit against Uber? A car accident involving an Uber driver is not that much different than your typical car accident. Uber drivers in Georgia have to follow our state’s laws and rules of the road just like everyone else, and if they do not and cause an accident, then they can be held liable.
The question that most people have following an Uber accident is what insurance applies? The answer to this question depends on a number of facts, including who was at fault and whether you were a passenger in the Uber at the time of the accident or in your own vehicle.
What Insurance Applies in a Georgia Uber Accident?
Uber provides liability insurance for its drivers and uninsured motorist coverage for Uber drivers and passengers. How much insurance is available depends on when the accident occurs. When an Uber driver is available to accept rides but has not actually accepted a trip and is not carrying any passengers, Uber provides liability insurance in the amount of $50,000 in bodily injury coverage per person and $100,000 per occurrence, as well as $25,000 in property damage coverage. This insurance applies only if the driver does not have insurance of at least these amounts.
Once an Uber driver accepts a trip, additional insurance kicks in. After accepting a trip, Uber provides the driver with $1,000,000 in liability insurance and $1,000,000 in uninsured motorist coverage. Liability insurance would apply if the Uber driver was at fault, while uninsured motorist coverage would apply if somebody else caused the accident but did not have any insurance or not enough insurance to pay all of the driver’s or passenger’s damages.
A few examples highlight how Uber’s insurance plan works. For example, if an Uber driver causes an accident after accepting a trip and you are either a passenger in the Uber or were in another vehicle the Uber driver hit, then you would have $1,000,000 in available liability insurance provided through Uber. On the other hand, if you are in an Uber and are injured in an accident by the negligence of another driver, you would have access to $1,000,000 in uninsured motorist coverage if necessary.
It is also important to point out that in Georgia, you are entitled to uninsured motorist coverage under your own insurance policy, or under any resident relative’s policies, if you are injured while riding in someone else’s vehicle. This means that if you are injured in an Uber accident in Georgia, it is important that you notify all potential insurance companies as soon as possible. If you do not, you may lose the ability to pursue a valuable source of insurance that can be used to help pay for your damages.
If you were injured in an Uber accident in Georgia, it is important that you speak with an experienced personal injury attorney as soon as possible. The Atlanta personal injury attorneys at Brogdon Champion, LLC have the experience and knowledge to successfully pursue your claim and obtain all the compensation you are entitled to under Georgia law. Call Brogdon Champion, LLC at 404-596-8044 for a free consultation about your Uber accident.