This article is part one of a series relating to rideshare safety.
In a study done by the University of Chicago, one-third of the rideshare drivers polled admitted being involved in a work-related crash. (Journal of Safety Research, Volume 89, June 2024, pages 13-18.)
As the expansion of rideshare services grows in the United States, so too are the incidents of accidents involving these services.
Key Facts
- The University of Chicago study found rideshare services cause measurable increases in fatal crashes and each additional 100 rideshare trips increase the odds of an injury crash, up to 4.6%.
- Uber and Lyft provide liability coverage, but the dollar amount of coverage changes with each step of the rideshare event.
- There are different legal avenues based on whether you are a passenger, another driver, a cyclist, or a pedestrian.
- 58% of fatal rideshare crash victims are third parties (not drivers or passengers).
- 90% of Uber accidents occur in urban areas.
Uber and other rideshare drivers must use company-provided applications through their cellular phone at all times during rideshare services, which cause additional risks as drivers need to monitor their apps, navigate unfamiliar roads, and have a compensation structure that incentivizes rushing between fares.
Phases of Rideshare Insurance
Who Pays?
When the application is turned off
A driver’s personal auto insurance covers the driver when the app is offline. Drivers must maintain at least the mandatory minimum coverage and provide proof of insurance to use their vehicle for Uber services.
When the application is on, (waiting for request)
If an Uber driver is at fault and another person gets hurt or their vehicle gets damaged, Uber provides a third-party liability insurance that covers the cost of injuries or damage in at least the following amounts:
- $50,000 per person and $100,000 per accident for injuries
- $25,000 in property damage per accident
Depending on the law of your state, Uber may maintain extra coverage for you and your riders, including one or more of the following:
- Maryland coverage includes uninsured/underinsured motorist coverage and contingent comprehensive and collision coverage which includes a $1000 deductible to the drivers.
- For full coverage gaps between personal and rideshare coverage, drivers may need to purchase a supplemental rideshare policy from a provider such as Progressive.
When app is on (driver is in route or on-trip)
This is the period when Uber provides the strongest insurance. During this phase, insurance covers at least $1,000,000 for property damage and injuries to riders and third parties involved in an accident where the Uber driver is at fault. Data from Uber Website
Step-by-Step, What to Do After a Rideshare Collision
- Think safety first: Check for injuries and move to a safe location if possible.
- Call 911: Report the accident to police and request medical assistance, even if injuries seem minor. Serious injuries can have delayed symptoms.
- Document the scene:
- Take photos of all vehicles involved, showing damage and license plates, be sure to take pictures close up and far away.
- Photograph the surrounding area, including traffic signals, road conditions, weather, and positions of all vehicles.
- If possible, capture screenshots of your rideshare app showing trip status and driver information.
- Gather information:
- Driver’s name, contact information, and insurance details, if possible take a picture of all documents on your phone.
- Note the rideshare driver’s app status (logged in, en route, or transporting).
- Collect names and contact information of witnesses.
- Be sure to ask for the police officer’s name and badge number, usually they will provide a business card with an accident report number written on it.
- Keep the accident report number, you will need this to request a full police report.
- Report the accident:
- Notify Uber or Lyft through their app’s help section.
- Report the accident to your own auto insurance (if you were driving) or health insurance).
- Be cautious about recorded statements to insurance representatives. If there is any question of fault, seek advice from an attorney; do not make a recorded statement with the insurance company.
- Seek medical attention: Get evaluated by a doctor even if you feel fine. Be sure to keep documents of all treatments and follow medical advice precisely.
- Consult an attorney: Contact a personal injury attorney experienced within the Maryland, Virginia or District of Columbia area before accepting any settlement offers.
You can protect your legal rights. Experienced attorneys know how to get you fair compensation if you are injured in a pedestrian accident in Maryland, Virginia or the District of Columbia.
Stay tuned for my next edition which will lay out actions for non-passengers (drivers, pedestrians, and cyclists); steps riders can follow to file Uber or Lyft accident claims; and claim and compensation opportunities available to victims.