Am I Liable When My Uber Passenger Causes an Accident While Iím Driving for the Company?

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Working for Uber may lead to certain situations where an accident occurs during or after work hours for the driver. However, it is important to contact Uber immediately when these situations arise to ensure the consequences remove the employee behind the wheel from liability and damages to others in these incidents.

Employees that driver for Uber have protection through the $1 million insurance policy that provides coverage during the times that the individual is driving for the company. These instances cover travel to a customer and when he or she is in the vehicle with the employee. Any accident that occurs during these times the company handles entirely. This may involve suing the other driver hit, or an insurance company to ensure damages covered through the insurance policy have repairs completed. It is important to contact Uber in these situations immediately so that the process may begin and remove any worry or doubts for the employee.

Not Covered Instances

When employees are waiting for a customer and have not started driving to these clients, they have their own personal driver insurance policies in effect. These situations have no coverage under Uberís insurance. This could lead to liability in accidents and damages owed to those injured during these incidents. If the person is driving from home to a central location, he or she has no coverage with Uber unless it is to pick up a customer. It is important to understand the details with the policy under Uber and how to engage in resolution of these situations.

What to Do in an Accident

No matter who causes the accident, medical care is usually the primary concern before anything else. This is necessary for both the driver and customer in the backseat. While the driver may not face liability in accidents, his or her actions may incur possible litigation if he or she does not ensure the passenger receives any needed treatment. After this, the employee should document as much as possible and contact the employer at Uber. The contact should explain all other information and details necessary for a claim in the accident. The individual may explain that insurance and other documentation needs must be present and available for Uber from the other driver.

If the customer caused the collision, the Uber contact may need the employee to explain what happened. The same is usually necessary when the other driver is at fault. These details are essential, so Uber is able to claim the damage and ensure repairs start for the driver. Any possible lawsuit against a person specifically could occur after the first stages complete in these accidents. Any audio or video captures of the incident could assist Uber in determining what occurred within and around the vehicle. If Uber requires any further actions, the contact will explain what to do next for the employee and any passengers riding along.

During and After the Accident

Once a collision occurs between two drivers when the employee is currently working, it is important to gather as much information as possible. Taking a picture or video of the passenger attempting to driver or causing problems for the trip may ensure the situations processes differently than a usual claim. However, in the absence of this proof, the employee is not responsible for damages when he or she is driving for Uber and collides with another vehicle. The company insurance takes over the situation and will contact any involved parties either that night or at a later time. However, customer service agents may communicate with the passenger for further details. It is possible this could affect approval ratings for the driver.

After the accident ends, insurance details need an exchange. This information usually supplies Uber with the carrier that will provide compensation settlements for the damage and any injuries sustained. If there is a dispute, Uber may need to litigate against the policy company. However, the driver is usually no longer a part of the proceedings and may not receive contact again about the matter unless he or she communicates with Uber for additional details.

Legal Support for an Uber Accident

If the driver sustains injury due to a passenger or faces damages for this personís injuries, it is important to hire a lawyer. Legal representation may need to contact and keep constant communication with Uber, but it is imperative that the client receives the best possible legal support in the matter.


Disclaimer: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer.

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