If you were injured in a car accident while riding in an Uber, you may be entitled to receive compensation for your injuries. Both the driver and Uber may provide insurance coverage for your injuries and damages. Before getting into that next Uber, it is important to understand the insurance policy requirement for Uber drivers in Port Orange in case an accident occurs.
The lawyers at Rue & Ziffra understand that it can be confusing as to who will provide insurance coverage for Uber drivers. If you have been in an accident in an Uber in Port Orange, you need to seek the guidance of our experienced attorney to ensure you recover for your damages.
Insurance policy requirements for Uber operators in Port Orange include a personal auto insurance policy. The limits of the driver’s personal auto policy are generally $25,00.00 for bodily injury per person, $50,000.00 for bodily insurance pre accident, and $10,000.00 for property damage. When the Uber driver is offline, their personal auto insurance policy will provide coverage for any accident.
Although not required, an Uber driver may also want to obtain comprehensive and collision insurance. Comprehensive and collision insurance provide protection for a vehicle against damage regardless of fault.
An Uber driver who operates in a commercial capacity must also maintain their own commercial insurance. Commercial auto insurance requires minimum coverage limits of $25,000.00 per person, $50,000.00 per accident for bodily injury, and $15,000.00 for property damage.
When an Uber driver is online and available to accept a rider, Uber’s third-party liability insurance will assist with coverage for damages in the event of an accident in Port Orange. Uber provides coverage for drivers actively engaged in their work, with at least $1,000,000.00 in property damage and bodily injury coverage for riders and third parties involved in an accident when the Uber driver is at fault.
Uber also provides insurance coverage for their drivers to repair their car up to the actual cash value. The driver must meet a $2,500.00 deductible, and coverage is contingent upon the driver’s personal insurance, including comprehensive and collision coverage on their own vehicle.
Some Uber drivers may choose to obtain “Gap” coverage when their app is on, but they are waiting for a passenger. Uber’s policy will provide lower coverage in this situation. The Uber driver’s personal auto policy may not provide coverage for this time period because it may be considered commercial use of the vehicle. As such, Uber drivers may seek an endorsement to fill this coverage gap in the event of a traffic collision in Port Orange.
Using an Uber is a great way to navigate around Port Orange. However, accidents do occur in Uber vehicles. If you were injured, you need to get your questions answered about insurance policy requirements for Uber drivers in Port Orange.
At Rue & Ziffra, our dedicated attorneys fight for people injured in Uber accidents. We understand that personal auto policies and Uber’s coverage may both come into play after an accident. Our team of experienced attorneys can help you navigate insurance companies and secure the compensation you deserve. Contact us.
Rue & Ziffra – Your Trusted Personal Injury Lawyers
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