Uber offers shared rides, also referred to as UberX Share, giving passengers the opportunity to save money by traveling in the same direction as other individuals in the rideshare vehicle. While this is a convenient and affordable option, there is a question that may come to mind in this case. What would happen if there is an accident during a carpool ride? Are all passengers still covered? Let’s break down how insurance coverage will work in such a scenario.

How Does UberX Share Work?

Before going over rideshare insurance, it is important to understand how UberX Share works. This particular service allows multiple passengers to share a ride with others. Uber’s app will connect several individuals into one trip. But, it will primarily focus on choosing those who are traveling in a similar route. During this process, the rideshare driver will have to make multiple pick-ups and drop-offs, thus extending travel time. It also lowers the cost for everyone involved.  

Uber Insurance Coverage 

Since carpool rides are booked through a rideshare app, the same insurance rules will apply regardless of whether you are alone or sharing the vehicle with others. Uber has created a tier insurance structure that will differ depending on what stage the trip was in at the time of impact. 

Period 1 

During this phase, a rideshare driver is waiting to receive a request. If an accident occurs at this given time, Uber may provide limited coverage that includes the following:

• $50,000 per individual for bodily harm
• $100,000 per accident for bodily harm
• $25,000 for property damage

None of this will apply to a passenger yet since there is no active ride. 

Period 2

Once the driver has accepted a ride and is en route to pick up a passenger, Uber will offer more coverage:

• $1 million in liability coverage
• Uninsured/underinsured motorist coverage
• Personal injury protection
• Medical payments coverage
• Contingent comprehensive and collision coverage (only applies if the rideshare driver has this insurance policy on their personal vehicle)

Period 3

When a rider has entered the vehicle, the $1 million policy will still apply. It does not matter whether the trip was shared or private. Coverage may include: 

• $1 million in liability insurance
• Uninsured/underinsured motorist coverage
• Personal injury protection 
• Medical payments coverage
• Comprehensive and collision coverage (if you maintain such coverage on your own vehicle)

Are Multiple Passengers Covered?

Uber’s insurance coverage applies to all passengers in the vehicle, regardless of whether you are taking a solo trip or sharing your ride with several other individuals. But, the amount each person is awarded will vary depending on the severity of their injuries and how the insurance claim is handled. For instance, someone who suffers a brain injury may receive more pay compared to those who only sustained a minor whiplash. 

If multiple passengers are harmed and damages exceed policy limits, it could potentially leave some to acquire less compensation for the losses they incurred, and will require them to take further legal action to acquire full financial recovery.

What to Do After an Uber Carpool Accident

If you have been injured in an Uber carpool accident, you should consider following the steps sectioned below to protect your rights and better your opportunity to obtain fair compensation. 

Contact the Police

If possible, try to call 911 immediately after the collision. The police will arrive soon after and develop a written report of the incident. Paramedics will also be present to provide medical care to the injured parties. 

Seek Medical Attention

It is always important to get yourself evaluated immediately after a rideshare accident. Even if you think you sustained little to no injuries, you should undergo an evaluation by a medical professional. If they notice any concerns, they will create a personalized treatment plan to help resolve your condition.

Gather Evidence 

Obtain as much evidence as you can to develop a strong rideshare accident claim. This includes the following:

• Photos of your injury, damages, and the accident scene
• CCTV footage
• Witness information
• A copy of the police report and your medical records
• Screenshots of your Uber ride details 

Report the Accident Through the Uber App

Uber provides passengers access to report the accident through their respective apps. It is important to do this as soon as possible to ensure either company has a record of the event. Once they have received your submission, their insurance carrier will reach out to you. Be sure to have your legal representative at hand to provide statements and negotiate reasonable settlement offers. 

Consult with a Rideshare Accident Attorney

Uber carpool accidents can be difficult to handle due to the multiple parties involved, along with the layers of insurance presented. With the help of an expert rideshare accident attorney, they can do the actions listed below to better your chances at recovering maximum compensation: 

• Investigate the incident
• Look into all available insurance policies
• File an Uber accident claim on your behalf 
• Negotiate with insurance companies
• Represent you in court, if necessary 

It is worth noting that direct liability cannot be inflicted onto Uber since they classify their drivers as independent contractors. This does not prevent injured passengers from pursuing compensation. But, the driver’s employment status can create additional legal complexities if you are planning on holding the company accountable, especially if the case involves: 

• Negligent hiring 
• Inadequate background checks
• Failure to remove unqualified drivers 

This is where a rideshare accident attorney is valuable as they can help determine whether your case may involve factors beyond the basic insurance policy, like company negligence. 

Involved in an Uber Carpool Accident? West Coast Uber and Lyft Accident Lawyers Is Here to Help

Getting into an accident while using an Uber carpool service can leave you confused about your rights. You do not have to figure this out on your own. At West Coast Uber and Lyft Accident Lawyers, our team understands the unique challenges involved with rideshare crashes, including multiple passengers and overlapping insurance policies. 

We are experienced in pursuing legal action and are equipped to get you full compensation for your losses, like medical bills, lost income, and pain and suffering. To get started on the legal process, you can schedule a FREE consultation today by calling (213) 465-8682 or filling out our easy online contact form.