I Was Hit by an Uber Driver in Massachusetts – Do All Uber Drivers Have Insurance?

Getting into a car accident can be a traumatic experience, especially when the other driver is working for a rideshare company like Uber. If you’ve been hit by an Uber driver in Massachusetts, you may be wondering about your rights and whether the Uber driver has insurance coverage. Here’s what you need to know.

Understanding Uber’s Insurance Coverage

Uber provides insurance coverage for its drivers, but the amount of coverage depends on the driver’s status at the time of the accident:

Period 1

The driver is offline or the Uber app is off. In this phase, Uber’s insurance coverage does not apply. The driver’s personal insurance would be responsible for any damages.

Period 2

The driver is online and waiting for a ride request. During this phase, Uber provides limited liability coverage for any accident caused by the driver, but coverage limits are lower compared to when the driver is actively transporting a passenger.

Period 3

The driver is en route to pick up a passenger or has a passenger in the car. Uber’s commercial insurance policy typically covers up to $1 million in liability coverage for third-party injuries and property damage.

Determining Liability in an Uber Accident

Liability in an Uber accident can be complex, depending on various factors:

  • Driver’s Status — Determining the driver’s status at the time of the accident (offline, online, en route, or with a passenger) is crucial in understanding which insurance policy applies.
  • Negligence — Proving negligence on the part of the Uber driver is essential to seek compensation for your injuries. This may involve demonstrating that the driver breached their duty of care by driving recklessly or violating traffic laws.
  • Uber’s Responsibility — Uber may be held liable for accidents caused by their drivers under certain circumstances, especially if the driver was actively engaged in providing rideshare services.

What to Do After Being Hit by an Uber Driver

If you’ve been involved in an accident with an Uber driver, take the following steps to protect your rights:

  • Seek Medical Attention — Your health and safety should be your top priority. Seek medical attention immediately, even if you believe your injuries are minor.
  • Document the Accident — Take photos of the accident scene, including vehicle damage, injuries, and road conditions. Obtain contact information from witnesses
  • Report the Accident — Contact the police to report the accident. Obtain a copy of the police report.
  • Notify Your Insurance Company — Inform your insurance company about the accident, but avoid providing recorded statements without legal representation.
  • Consult with an Attorney — Contact Altman & Altman, LLP for a free consultation. Our experienced personal injury attorneys can assess your case, determine liability, and help you pursue compensation for your injuries.

Contact Altman & Altman, LLP Today

If you’ve been hit by an Uber driver in Massachusetts and have questions about insurance coverage or your legal rights, Altman & Altman, LLP can help. We have over 50 years of experience representing clients in personal injury cases, including those involving rideshare accidents. Our dedicated attorneys will work tirelessly to protect your rights and seek maximum compensation for your injuries. Contact us today for a free consultation. Your recovery is our priority.

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