Rideshare services like Uber have made transportation more convenient than ever, but when an accident occurs, determining who is responsible can be complicated. Unlike traditional car accidents, multiple parties may be involved—each with different insurance coverage and legal obligations. Understanding who may be liable in an Uber accident helps victims know where to turn for compensation. A skilled Santa Monica, CA Uber accident lawyer can help. Choulos & Tsoi Law Firm works in Santa Monica and San Francisco and has decades of experience in personal injury law. There are free consultations to see if your case is worth pursuing.
When The Uber Driver Is At Fault
If the Uber driver’s negligence caused the crash—such as speeding, running a red light, or driving distracted—they may be personally responsible. However, the situation changes depending on whether they were logged into the Uber app and transporting a passenger at the time.
- Not Logged In: If the driver was off-duty and not using the app, their personal auto insurance applies.
- Logged In But No Passenger: If the driver was available for rides but not carrying a passenger, Uber’s limited liability coverage (usually up to $50,000 per person for injuries) may apply.
- Passenger Onboard Or En Route: When the driver is carrying a passenger or actively picking one up, Uber’s full $1 million liability policy generally covers the accident.
It is always important to report an Uber driver for unsafe driving if you feel uncomfortable in a situation.
When Another Driver Is Responsible
Sometimes, another driver on the road causes the crash. In those cases, the at-fault driver’s insurance would typically cover damages. However, if that driver is uninsured or underinsured, Uber’s uninsured motorist coverage may step in to help cover medical bills and other losses.
When Uber Itself May Be Liable
In rare cases, Uber may share responsibility for the accident—especially if there are issues related to negligent hiring or lack of proper background checks. For example, if the company failed to identify a driver’s unsafe record before allowing them to operate, it could face legal accountability.
When Passengers Or Pedestrians Are Involved
If an Uber passenger, pedestrian, or cyclist is injured, determining liability often depends on the driver’s app status and who was negligent. Uber’s insurance may apply, but these cases can become complex when multiple parties share fault. A lawyer can help untangle the legal and insurance details to ensure fair compensation. It is always important to ask the right questions before hiring a personal injury lawyer for your case.
Why Legal Guidance Is Crucial
Uber accident claims are rarely straightforward. Multiple insurance policies, corporate lawyers, and unclear fault lines can make recovery difficult for victims. An experienced Uber accident lawyer can review the evidence, determine liability, and handle communication with insurers to protect your rights and pursue maximum compensation.
Accidents involving Uber vehicles involve more than just two drivers—they often include overlapping insurance coverage, corporate policies, and technical details that can easily confuse victims. Choulos & Tsoi Law Firm is ready to assist. Having knowledgeable legal support ensures you’re not left paying for someone else’s mistakes.
