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How Uber Driver Status Impacts Insurance Coverage

How Uber Driver Status Impacts Insurance Coverage

How Uber Driver Status Impacts Insurance Coverage

Uber drivers are generally covered by a personal auto insurance policy and/or Uber’s million-dollar insurance policy, depending on their status when they are behind the wheel. For Uber drivers and car accident victims, it’s crucial to know that:

These issues can make it especially challenging for Uber car accident victims to obtain the financial recoveries they deserve.

At the Amaro Law Firm, our Houston attorneys are skilled at helping accident victims successfully navigate the complexities of the claim process, particularly when challenges with insurance companies arise. Tenacious, strategic and experienced, we can help you advocate your rights, effectively stand up to insurance companies and seek any possible recovery for your Uber accident claim.

Hurt in an Uber Car Crash?

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When Uber Drivers Are At Fault for a Crash: How an Uber Driver’s Status Can Impact Insurance Coverage

Uber driver status refers to whether drivers are:

When Uber drivers are primarily at fault for car accidents, the insurance coverage that should come into play is detailed by the following table.

Driver StatusInsurance CoverageType of Coverage*
Driver OfflineDriver’s Personal Auto Insurance CoverageDepends on the Policy

Minimum Coverage Required in Texas for Uber Drivers:1

  • $30,000 per injury
  • $60,000 injury total
  • $25,000 for property damage
Driver Online – Available, Waiting for Ride RequestPersonal Auto Insurance +

Uber’s Contingent Liability Coverage

Personal Policy Acts as Primary Coverage2

When Primary Coverage Is Exhausted or Denied, Uber Contingent Coverage Provides:

  • $50,000 per injury
  • $100,000 injury total
  • $25,000 for property damage
Driver Online – Ride Request Accepted, En Route to Pickup Rider(s)
Driver Online – Transporting RiderUber’s Insurance Coverage,3 Provided by the

James River Insurance Company (JRIC)

Coverage Provides:

  • $1 million total liability
  • $50,000 collision coverage

*Uber’s coverage will typically only be available if the Uber driver maintains personal auto insurance coverage, as required by state law.

When Uber Drivers Are NOT at Fault for an Accident: Available Coverage

When Uber drivers are NOT primarily at fault for an accident, the insurance provider for the at-fault party should provide coverage for the resulting damage.

However, Uber’s insurance coverage can still come into play when accidents occur during a ride and when:

  1. The at-fault driver does NOT carry sufficient or any insurance (to cover the damages that the Uber driver and rider(s) sustained).
  2. The at-fault driver flees the scene, resulting in a hit-and-run accident, and that driver cannot be identified.

In these cases, Uber’s uninsured or underinsured motorist (UM/UIM) coverage could provide a total coverage of $1 million for bodily injury.

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How Insurers Can Leverage the “Gap” Periods to Deny Coverage & Claims

Although Uber drivers may be covered by their personal auto insurance policy and/or Uber’s JRIC policy while they are driving, these insurance providers cannot be relied on to automatically step up and fully honor a valid Uber accident claim.

In fact:

These situations can be as frustrating as they may be difficult to face, especially for crash victims who may be struggling with serious injuries.

How a Lawyer at the Amaro Law Firm Can Help You with an Uber Car Accident Claim

A Houston car accident lawyer at the Amaro Law Firm can provide crucial assistance, support and representation when it is time for Uber accident victims to seek recovery. In addition to determining all liable parties, we will work rapidly to:

As your claim proceeds, we provide you with aggressive, effective representation every step of the way. With prior experience in insurance defense, our attorneys are extremely knowledgeable about the insurance industry and the tactics insurers use to try to limit or avoid paying valid claims. This makes us highly effective at subverting these tactics to protect our clients and their Uber accident claims.

As an auto accident victim, you need an attorney on your side who is skilled and fully committed to getting you as much as possible for your injuries. You need a trusted attorney at the Amaro Law Firm.

Protect Your Rights, Claim & Recovery: Contact a Houston Car Accident Lawyer at the Amaro Law Firm

If you or a loved one has been hurt in an Uber crash, you can turn to a Houston car accident lawyer at the Amaro Law Firm for experienced help with your claim. We will not let insurers compromise your recovery or coerce you into taking a lesser settlement.

Call (877) 892-2797, text (281) 612-8024 or email our firm for a FREE consultation.

During this case evaluation, you can get important answers about your legal options and how to position your potential claim for success.

The experienced attorneys at the Amaro Law Firm are dedicated to working to help you receive compensation to which you may be entitled. While we realize that compensation may not make up for the permanent losses caused by serious Uber accidents, we also know that these recoveries can be integral to rebuilding lives.

The Amaro Law Firm’s history of success with car accident cases has earned us glowing testimonials from former clients and 5-star ratings on Google and Facebook.


1: More on the minimum auto insurance required by Texas law
2: New Minimums Set for Uber Drivers by House Bill 1733
3: Details of Uber’s Insurance Policy & When Drivers Are Covered

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