Rideshare services can be incredibly helpful, but in the event you are using a service and you get into an accident, you may wonder who is responsible for the damages.
As a passenger, you hold no responsibility, and you deserve compensation. According to the American Bar Association, if you are using Uber, then it is possible you can collect from Uber, the driver and the at-fault driver. It is essential to determine fault in the accident to know from whom you will need to collect compensation. You may have to submit claims to multiple insurance companies as well.
If the driver is not officially on the clock nor working for Uber at the time of the accident, then you would need to collect against the driver’s personal insurance policy. Uber’s insurance will only cover the driver while he or she is working. You also would collect from the driver’s insurance if your Uber driver is at fault in the accident because Uber’s insurance does not provide coverage in at-fault situations.
Uber carries insurance that covers all vehicles working for the company. This insurance provides coverage if the Uber driver is at fault. It also provides coverage for underinsured and uninsured driver situations. Uber’s insurance policy offers decent coverage. You have the best chance of collecting compensation if you can make a claim to Uber directly.
If your Uber driver is not at fault, then you would make a claim to the insurer of the at-fault driver. If the driver does not have insurance or have enough insurance, then you can make a claim to Uber.