Everyone knows about Uber these days and almost everyone seems to be a huge fan. When it works well its amazing, cheap, fast, and just really darn easy. But problems arise when things like an accident happen. Car insurance and medical treatment are annoying and complicated no matter what the circumstances are, but with Uber, things get even worse.
Uber has the following graphic on its blog:
Uber breaks down the different phases or “periods” an Uber driver enters throughout the cycle. As you can see from the graphic, the phases are labeled.
“App On And Waiting For A Trip Request”
“Trip Accepted to Completion”
Each of these three phases will trigger different types of insurance for the Uber driver. In some phases, only the Uber driver’s personal policy will provide coverage. In some phases, both the Uber commercial policy and the driver’s personal policy will provide coverage. In some phases, it is possible that only the Uber commercial policy will provide coverage.
Sibley Law is currently representing individuals who have been injured in Uber cars and is investigating how Uber is handling these situations. Stay tuned for more info!