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Another Reason to Use Uber: Better Insurance Coverage if There is an Accident

Another Reason to Use Uber: Better Insurance Coverage if There is an Accident

Seemingly overnight, Uber changed the landscape of the vehicle for hire service. By tapping the "app" on your smartphone, you are connected to a professional driver of a decent smelling car who actually knows how to get to where you want to go (An important quality of any driver). Easy to understand fare, no cash needed and no added tip required.

Why Choose Uber Over Taxis in Georgia?

While you probably already know everything written above, what you might not know is that in Georgia, Uber vehicles have better insurance than their taxicab competitors.

The Truth About Taxicabs

Most cab companies in Georgia carry minimal limit policies of $25,000 per person / $50,000 per accident and no Uninsured Motorist. So if your cab driver runs a red light and causes you serious bodily harm, the cab company does not carry sufficient insurance to cover your injuries. Additionally, if you are harmed in a cab due to the fault of an uninsured driver, the cab likely has NO insurance coverage available to you. Unless you have Uninsured Motorist coverage through your own automobile insurance, there will be no auto insurance available.

The Uber Difference

Not so with Uber. Uber carries $1,000,000.00 in both liability and Uninsured Motorist coverage. Thus, there is $1,000,000 in coverage available for every accident involving an Uber vehicle regardless of which driver was at fault.

Unfortunately, many Uber drivers, particularly those new Uber-X drivers are unaware of this added insurance. We have seen several cases where drivers of Uber-X vehicles panic when they get into an accident based on a false belief that there is no insurance for their passenger for hire (i.e. you). Thus, they will fail to report to the officer that they had you, the passenger, in the car at the time of the accident.

What If You Are a Passenger in an Uber Accident in Georgia?

If you are an Uber passenger involved in an accident, make sure to do the following:

  1. Remind the driver that Uber has purchased insurance to cover any injuries you sustained;
  2. Stay at the accident scene until Police arrive and make sure the Police Officer knows and reports you as a passenger on the Police Report;
  3. Get treated for your injuries as soon as possible;
  4. If injured, hire a good personal injury lawyer to represent you.

For any further information or for assistance with compensation after an Uber, Lyft, or other rideshare accident, call Kalka & Baer LLC. Free case evaluation offered. You can reach our firm at /car-accidents/uber-lyft-accidents/(404) 907-1594.

More About the Author: Bryan Baerundefined

Attorney Bryan Baer has been a personal injury attorney fighting for his clients throughout Georgia for 15 years. He has received numerous accolades for his work, including becoming a member of the Million Dollar Advocates Forum, his inclusion in the list of Georgia's Super Lawyers® Rising StarSM in 2010-2014 and Georgia's Super Lawyers® from 2015-2019, and being named a National Trial Lawyers: Top 100 Trial Lawyer 2014-2017, just to name a few.

He has had firsthand experience representing cases involving Uber, including recovering over half a million dollars on behalf of an Uber-X driver. Attorney Baer stops at nothing for his clients and is extremely passionate about helping people.

To learn more about Attorney Bryan Baer, click here.

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