• Skip to primary navigation
  • Skip to main content
  • Skip to footer
Whiplash & Whiplash Injury St. Louis

Whiplash & Whiplash Injury St. Louis

  • Whiplash
    • What is Whiplash?
    • How Long Does Whiplash Last?
  • Symptoms
  • Treatment
    • Exercises
    • Physiotherapy
    • Surgery
  • Compensation
  • Car Accident
    • What to Do When You Get in a Car Accident
    • The Most Common Causes of Car Accidents
    • Wrong Way Car Crash
    • Why Hire a St. Louis Car Accident Lawyer?
    • Injuries
      • Brain Injury
      • Delayed Injuries
      • Head Injury
      • Leg Injury
    • T-Bone Accident
    • Uninsured Motorist
    • Who Pays My Medical Bills?
  • Blog

3 Common Myths About Uber Car Accidents

January 4, 2021 by Christopher

Here are 3 common myths about Uber accidents and how these claims are handled.

More and more people are using ride-sharing services in the US, with Uber being the market leader. Accidents involving Uber drivers are bound to happen since there are so many of them on the streets, but who covers the damages and what happens if you’re a victim are still unclear for many people.

Here are 3 common myths about Uber accidents and how these claims are handled.

st. louis woman requesting uber

Uber’s $1 million Insurance Will Always Get You a Huge Settlement

In its beginnings, Uber was not liable for accidents caused by its drivers because it claimed that they were independent workers, not employees per se. However, state legislation has changed in the meantime, and Uber now carries a $1 million insurance policy for every driver. This, however, doesn’t mean that the victims will always receive a huge settlement from the company or that they will be covered by it at all.

Uber’s insurance is a secondary policy, and the primary responsibility lies with the driver. Damages are generally covered by Uber only if the driver has an active ride in the app at the time of the accident. If an Uber driver causes an accident while circling, waiting for a client to search for a car, or even driving towards a client, the $1 million policy will generally not cover them. In fact, Uber drivers are more at risk in case of an accident because they might lose their personal auto insurance coverage if their insurance company decides that they were using the car for something other than personal use.

The Company Is Always Liable If You’re Hit by an Uber

As stated above, Uber’s policy will typically only cover the damages caused by an Uber driver if they were driving a passenger at the time of the accident. In any other situation, the driver’s own auto insurance will likely cover the damages. As you probably know, the basic auto policies required by law have rather low limitations. If your damage is substantial and you don’t carry underinsured motorist insurance coverage, you might have to sue the driver. 

Uber Drivers Are Not Covered by Company Insurance, Because They Are Independent Contractors

This is a myth that originated from the grey area of insurance coverage that was, in fact, very real when ride-sharing services were just started on the market. Nowadays, Uber, Lyft, and other transportation network companies are generally liable for the damage their drivers’ cause, even if they are not considered fully employed. 

Uber covers the following damages, depending on the situation:

  • $50,000 per individual for bodily damage, when the driver’s app is active and they are waiting for a ride
  • $100,000 per accident for bodily damage, when the driver’s app is active and they are waiting for a ride
  • $1 million for bodily damage, when the driver has passengers who requested a ride through the app

If you have suffered injuries while riding in an Uber or because an Uber hit you, contact an experienced St. Louis Uber accident attorney who will be able to navigate these grey areas, protect your rights, and fight to get you the compensation you are entitled to. 

FREE Consultation

Speak with an experienced attorney 24/7

Click to Call: (314) 361-4242

Related Posts:

  • Whiplash After a St. Louis Uber Car Accident
    Whiplash After a St. Louis Uber Car Accident
  • St. Louis Car Accident Attorney
    St. Louis Car Accident Attorney
  • What You Should Know About St. Louis Ridesharing Accidents
    What You Should Know About St. Louis Ridesharing Accidents
  • Can I Seek Compensation for Pet Injuries in a Car Accident?
    Can I Seek Compensation for Pet Injuries in a Car Accident?
  • Involved in an Uber Accident? Do These 4 Things
    Involved in an Uber Accident? Do These 4 Things
  • St. Louis Car Accident Involving an Uninsured Driver
    St. Louis Car Accident Involving an Uninsured Driver

Filed Under: Blog Tagged With: uber accident

Footer

The Hoffmann Law Firm, L.L.C.
7751 Carondelet Ave UNIT 601
St. Louis, MO 63105
(314) 361-4242

Free Consultation Request

    RSS Car Accident Lawyer & Auto Accident Attorney St. Louis

    • Soft Tissue Injuries Caused by Car Accidents
    • Teens are 3 Times More Likely to be Killed in a Car Crash
    • What Happens To an Uninsured Motorist in an Accident?
    • Internal Bleeding from Car Accident
    • Leg Crush Injury From Auto Accident
    • Who’s at Fault if Someone Pulls Out in Front of You and Causes a Car Crash?
    • Panic Attack While Driving Lawyer: Common Causes and How to Stay Calm
    • 4 Common Finger Injuries Caused by Car Accidents
    • Auto Accident in a Rental Car
    • 8 Things to Tell Your Car Injury Attorney After an Accident

    Copyright © 2022 The Hoffmann Law Firm L.L.C.
    The images included on this site are not actual attorneys, events, or clients. The choice of a lawyer is an important decision and should not be based solely on advertisements. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Attorney Chris Hoffmann handles car and truck accident claims throughout Eastern Missouri and Western Illinois. He represents injured clients in St. Louis, St. Charles, St. Peters, Clayton, East St. Louis, Alton, Hillsboro and Belleville, and other cities in St. Louis County, St. Charles County, and Jefferson Country, MO, and St. Clair County and Madison County, IL.