How much liability does Uber need to have for drivers? In the first quarter of 2022 alone, Uber had $23.199 billion in liability claims. Agruss Law Firm in Chicago advises that liability depends on various circumstances.
Although relatively new to the transportation world, rideshare apps like Uber have transformed the way we travel. The public can order quick, convenient, and affordable pickups with a tap of their fingers. However, this technological advancement does not come without problems. As with any form of transportation, accidents can still happen and people can be injured.
Uber’s Liability for Its Drivers Is Contingent on When the Accident Occurred
Who bears responsibility for an Uber passenger’s injury in an accident? Uber maintains insurance coverage for its drivers. However, Uber drivers are independent contractors. Uber does not consider them to be employees of the company. Thus, the amount of liability Uber will cover depends on whether an accident occurred when the driver was in the middle of a job for Uber or if they were off the clock.
Uber Liability for Accident that Occurs During a Pick-Up or a Trip
Uber maintains a $1,000,000 third-party liability policy for any accidents that occur when drivers are on the way to pick up a passenger or during a trip. The rideshare company also provides uninsured or underinsured motorist injury and first-party injury insurance. They also provide contingent comprehensive and collision coverage.
Uber Liability for Accidents That Occur When Drivers Are Waiting for a Ride Request
Uber’s liability insurance also covers instances where an accident occurred while the driver was “available” or waiting for a customer. Generally, Uber will cover auto liability insurance on behalf of the driver only when the driver’s personal auto policy does not apply. If an accident occurs when the driver is waiting for a ride request, Uber covers third-party liability in the amounts of:
$25,000 in property damage
$50,000 in bodily injury per person
$100,000 in bodily injury
Uber Liability for Accidents That Occur When the Driver Is Not on the Uber App
Uber maintains no auto liability coverage for their drivers who are involved in an accident while the app is off. As Uber drivers are independent contractors, Uber will not claim any responsibility for their drivers when they are not driving for the company. In cases where someone is injured by an off-the-clock Uber driver, the driver’s personal insurance company and coverage apply.
Illinois Rideshare Laws
In addition to Uber’s insurance policies, Illinois has legislation concerning rideshare liability. The Illinois Transportation Network Providers Act protects Uber drivers and accident victims. Illinois law states that rideshare drivers must have certain amounts of auto insurance while they are on the clock. The law states that all rideshare companies in the state must also meet minimum insurance coverage amounts. These are similar to the policy Uber has in place.
Uber accidents and insurance claims can be tricky. If you sustained injuries as an Uber passenger, motorist, bicyclist, or bystander, contact an Illinois Uber Accident attorney to start an insurance claim. Agruss Law Firm, LLC. can help walk you through the process so you receive the amount you deserve.