Author: Chloe Rivera | Reviewed by James Delgado, Senior Trial Attorney
Case Spotlight: Jasmine M.
While riding in an Uber in downtown LA, Jasmine M. suffered a fractured collarbone when another driver ran a red light. Uber’s insurer initially denied the claim. Our team secured a $212,000 settlement to cover medical bills, lost income, and pain and suffering.
Note: This case example is illustrative only and does not guarantee similar results.
Understanding Uber’s Insurance Coverage
Uber’s coverage is divided into three phases:
- App On, No Ride Accepted: $50,000 per person / $100,000 per accident / $25,000 property
- En Route to Pickup: Up to $1 million in liability
- During Trip: Up to $1 million + underinsured motorist coverage
California Vehicle Code §5433 outlines these coverage requirements.
Proving Liability and Dealing With Insurance
Uber and their insurers are PR-driven corporations eager to minimize payouts. They may question whether the app was on or delay your claim by disputing fault. That’s where our legal team steps in to hold them accountable.
Even if you were partially at fault, California’s comparative fault laws allow you to still recover compensation, though the amount may be reduced based on your share of responsibility.
Learn more: What to Do After a Car Accident
Frequently Asked Questions
- Can I sue Uber directly?
- No. Uber classifies drivers as independent contractors. You file against the driver’s or Uber’s insurance, not Uber itself.
- What if the driver was off-duty?
- If the app was off, Uber’s insurance won’t apply. The driver’s personal policy is responsible.
- How long do I have to file?
- You typically have two years from the date of the accident to file a claim in California.
- What compensation can I get?
- Medical bills, lost wages, pain and suffering, emotional distress, and more.
- Can I file if I was a pedestrian or cyclist?
- Yes. Uber’s coverage applies if you were hit by an on-duty driver.
- Do rideshare claims take longer?
- Yes, due to multiple parties (Uber, driver, other insurers) and app status investigations.
- Will I get $1 million?
- Only in severe injury or fatality cases. Most settlements fall between $15,000–$500,000 depending on injuries and liability.
- Do I need a lawyer?
- Strongly recommended. Rideshare cases involve complex coverage and high-stakes negotiation. We work on contingency.
