How Uber’s Insurance Policy Operates
Similar to other rideshare services, Uber has an insurance policy to cover damages resulting from an accident involving one of its drivers. Whether this coverage applies depends on the status of the Uber driver and whether they are using the app at the time of the incident. If the driver does not have the app open, indicating they are off duty, their personal auto insurance policy applies in case of an accident.
Uber’s insurance covers incidents that occur when the driver has the app open while waiting for a ride request (period 1), while they are en route to pick up a passenger (period 2), and when they have a passenger in the vehicle (period 3).
During period 1, Uber’s insurance provides $50,000 in bodily injury per person, up to $100,000 in bodily injury total, and $25,000 in property damage liability if an accident occurs.
In period 2, Uber’s insurance offers uninsured and underinsured motorist coverage if an accident happens, resulting in injuries to the driver and passengers or only the passengers. This applies when the driver is at fault and lacks insurance or has insufficient coverage.
In period 3, Uber’s insurance includes collision and comprehensive coverage, which pays for damages to another vehicle at full value. However, there is a $2,500 deductible that must be paid out of pocket before Uber’s insurance coverage applies.
Understanding Compensation Recoverable from Uber Accidents
Victims of Uber accidents can claim compensation for injuries, property damage, and lost wages. This includes medical expenses, lost income, property damage repairs, and temporary transportation if the victim’s vehicle is under repair or totaled. Additionally, victims can seek compensation for pain and suffering, future medical expenses, loss of earning capacity, and wrongful death if applicable.
Florida’s Statute of Limitations for Uber Accident Claims
In Florida, the statute of limitations for filing a lawsuit for an Uber accident is two years. It is crucial to file within this timeframe if you have suffered injuries to ensure you can recover compensation.
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