Insurance After a Virginia Uber Accident
Under state law, Uber drivers must carry personal car insurance, and Uber must provide adequate liability coverage for drivers and passengers. However, anyone who has ever dealt with an insurance claim knows that there is a difference between having the right to pursue compensation and convincing an insurer to pay a fair amount.
In addition to guiding you through the litigation process, a seasoned Uber collision lawyer can help you navigate insurance after a Virginia Uber accident and maximize your claim. With coverage from Uber, the at-fault driver’s insurance, and potentially your own policy, you may have several options to seek total compensation for the harm you sustained.
What Kind of Liability Coverage Does Uber Have?
Since Uber drivers are classified as “independent contractors” in Virginia rather than Uber employees, the company is rarely directly liable for accidents caused by its drivers. Furthermore, Uber does not provide additional liability coverage for drivers not logged into the app when a collision occurs.
When an Uber driver is logged into the app and available to accept ride requests, Uber’s liability insurance offers:
- $25,000 for property damage
- $50,000 for injuries to a single person
- $100,000 for all injuries in a single accident
If a driver is involved in a wreck while carrying a passenger or on the way to pick one up, Uber’s coverage increases to $1,000,000 for all resulting damages. A knowledgeable Virginia attorney can help navigate the complexities of these insurance policies after an Uber crash and ensure an individual receives the compensation they deserve.
Insurance Minimums for Uber Drivers
In addition to Uber’s coverage, state law requires drivers to maintain specific insurance minimums. While the state allows drivers to operate without insurance by paying a $500 Uninsured Motor Vehicle fee to the DMV, Uber requires its drivers to carry at least the minimum coverage mandated by state law.
Uber drivers must carry personal auto insurance with the following minimums for policies effective before the end of 2024:
- $20,000 for property damage
- $30,000 for one person’s injuries
- $60,000 for all injuries from a single crash
Starting January 1, 2025, new policies must provide at least $25,000 for property damage, $50,000 for injuries to one person, and $100,000 for all injuries from a single collision. Understanding the coverage requirements for Uber drivers in Virginia is crucial when pursuing a claim after an Uber accident.
Speak With An Attorney For Help with Insurance After a Virginia Uber Wreck
Dealing effectively and efficiently with insurance after a Virginia Uber accident requires the support of an experienced lawyer. Even if an insurance policy offers a specific maximum coverage amount, there is no guarantee you will receive that amount in compensation.
The nature of your injuries and the circumstances of the accident can make it challenging to secure a fair payment if you handle negotiations on your own. Call Price Benowitz today to discuss your legal options.
