UBER INSURANCE COVERAGE EXPLAINED BY UBER ACCIDENT LAWYER

Hey there! This is Alexander Napolin Uber Accident "Lawyer In The House." In this video, I'll be discussing Uber's insurance coverage for their drivers while they're using the Uber app. This information can be helpful for anyone who uses Uber or is considering becoming an Uber driver.
First of all, Uber provides several types of insurance coverage for their drivers, including liability insurance, uninsured/underinsured motorist coverage, and contingent collision and comprehensive coverage. The amount of coverage and when it applies depends on the driver's status within the Uber app.
If a driver is using the Uber app but hasn't accepted a ride request, they're still covered by Uber's liability insurance if they're in an accident. If the driver has accepted a ride request, they're covered by both liability insurance and uninsured/underinsured motorist coverage. And if the driver is on their way to pick up a passenger or is currently transporting a passenger, they're covered by all three types of insurance coverage.
If you're an Uber driver and need to file a claim, the process is pretty straightforward. You can report the accident through the Uber app or by contacting Uber support. You'll need to provide some basic information about the accident, and Uber will take care of the rest.
Overall, Uber's insurance coverage is designed to protect their drivers and passengers in the event of an accident. If you're using Uber, it's good to know that you're covered by insurance and that Uber has your back if something goes wrong.
If you have any questions or concerns about an auto accident involving Uber, don't hesitate to contact an experienced personal injury attorney like Alexander D. Napolin. He can help you understand your legal options and ensure that you get the compensation you deserve. So, if you need legal assistance, give Napolin Law Firm a call today!
Best Uber Accident Lawyer near me - better than “lawyers in the house” attorneys haha

[@napolinlaw]

kzbin.infoUgkx_nSFmE06EaKK-xN0wtogn3LDzcJpzRpo

[@KingDrewPhilip]

My car was totaled when the Uber app was online (phase 1 not in route to pick up a passenger). The person who hit me was fully at fault. Well, I don’t know if I did it incorrectly , but I went through the at fault insurance company. I never told my insurance company I was online at the time and simply stated I was actually on a personal drive only. In the end it still worked out as I got a nice payout for the car that was totaled, bought a used car very similar to the car that was totaled. The good thing ? No car payment as I paid the replacement car in full with the payouts. I guess that was a blessing in disguise. The at fault insurance company even paid for three weeks of lost income.

[@napolinlaw]

Sounds good to me and that it didn’t matter whether or not you were in Period 1. You have the same rights versus the other driver and their insurance company in most scenarios.

[@TeulaT33]

Lie to keep the job pay commercial insurance you can’t use

[@vitallifestar]

Did you hired a lawyer ?

[@larrycohen3682]

Sir, most accidents from rideshare drivers accure when they are wearing a wireless ear pods. This is a terms of service violation. The driver could be deactivated from the platform.

[@hillkahlil]

Can you explain Illinois insurance coverage? driver and rider coverage

[@napolinlaw]

Unfortunately I cannot because I don’t know the rules in Illinois. I suggest contacting a lawyer and/or insurance broker there.

[@boubabizo246]

Hello, I got hit by a hit and run while driving Lyft and had 2 passengers. We called the cop and handed up a police report. Do you think Lyft would cover me the driver and those two passengers? Do I need to have commercial insurance to be covered me as a driver? Later on the suspect was found but not having assurance. What to do?

[@napolinlaw]

The coverage depends upon the state where the collision occurred. But the only way to know is to make a claim and ask for disclosures. I suggest you each consider contacting attorneys for legal advice. If it’s clear that you have no fault then that can be the same lawyer as the passengers. But if you might bear some responsibility for the cause of the collision then your passengers would probably want a different attorney. You all can have your own representatives so consider getting legal advice about your own best interest and what to do next. If you are injured then getting medical treatment is very important for your health and to preserve the value of your bodily injury claim.

[@joecampo1770]

Rideshare companies will screw you over anyway they can, i was driving hit by another car, thankfully no one was hurt but my car isn’t drivable, this is a warning to other drivers.

[@clydecash5659]

Yup, same happened to me. I think we need government intervention to reign in on these asshole companies and their policies.

[@muneeswarmallareddi7175]

Hi I have a question. Recently my vehicle got into an accident (hit from backside) while I was driving on Uber trip. Both myself and my passenger were safe. After the incident I called Uber insurance and my personal insurance company. Uber insurance gave me quote for $6k. Uber insurance mentioned if I have to avail insurance thru Uber there is $2500 deductible. Got quote from other collision center and shared with my personal insurance and they are yet to be approve the quote. My question is - can I avail Uber insurance also along with my personal insurance. ?

[@napolinlaw]

You will use one or the other for the collision coverage. Uber’s collision coverage has a $2,500 deductible. If you have Ride Share on your own policy and purchased a lower deductible then you may want to utilize it instead of the collision coverage through Uber. Many don’t have their own collision coverage and have no choice but to go through the Uber coverage.

[@mobgama6505]

Hi does the uninsured motorist apply in Florida I’m a driver and I was hit by someone with low coverage

[@napolinlaw]

I don’t believe there is any Uninsured Motorist insurance through Uber in Florida. I discuss how to figure out if your state has the coverage on this live stream: kzbin.infoTYfp-9K9o8A?si=Oc0390vnhVdQi8Yl

[@C-LOWG7um]

Does the same rules for policies apply in texas

[@napolinlaw]

It may be that in Texas the requirement to have the $1M UMBI policy does not exist. Uber says it only maintains that type of insurance in accordance with state law. uber.com/us/en/drive/insurance/#table-uber-certificate

[@wiredin4u]

Hello did you make a video or more info about Uber eats on a bike I assume they would have insurance if they hit me but I'm intaild they say when we literally have the app on that we are covered even waiting for a call (which is more relevant to me) never mind when I get that initial call that seems sketchy to me as prescribed in the terms ...am I being told differently because I'm about to enroll in it for my ebike that they offer this is for Uber eats..so the question really is should I just get it for any reason thank you for any info ...

[@napolinlaw]

Coverages vary by state. I’m not aware of the policy terms for e bike Uber eats delivery service. The only way to know the coverages for certain is to get a copy of the insurance policy. Sometimes the adjuster provides it and sometimes they refuse. For Lyft I’ve had to literally file a lawsuit and issue requests for production to get a copy of the applicable policy. Uber these days is more open with providing the terms. If you are just starting out and have concerns, you should call Uber and ask questions. Also consider consulting with a local knowledgeable insurance agent if you are concerned about coverages.

[@memomedo516]

My car total lost while I’m driving lyft some one hit and run i have dash cam I reported to police but he doesn’t have insurance I go through lyft to fix my car Lyft insurance contact my auto insurance company I don’t have ride share auto the cancel my insurance policy do you think auto unsure um can cover my injury or what I have to do in this case

[@napolinlaw]

It depends on what period you were in. If you were en route to pick up a rider or had a rider in your car, then you have Uninsured Motorist Bodily Injury protection here in California.

[@AlexMax-fj1pv]

and if a person was returning after delivery( Uber eats or Dasher), but the uber app or dasher was offline and got into an accident due to his own fault, will the insurance cover it if he had regular non-commercial insurance not for delivery food?

[@napolinlaw]

That’s a great question. Since he was offline his own insurance should cover the loss. However, the insurance might try to deny the incident on the basis he is heading back from a drop off. The only way to know is to report the incident and see what the carrier does.

[@stopthattrain14]

I do uber eats on my ebike , 4 days ago i was in route to drop off a delivery it was night time there speed bumps that were completely black didn't see them i was thrown off my bike and broke my right arm could not complete the delivery so i called support to inform them my bike is fine but im not what do i do now they told that im covered thru progressive in Florida i am waiting for a policy number ,do i get that policy number from uber or progressive ? And will they pay for my medical expenses

[@napolinlaw]

Contact a Florida personal injury lawyer.

[@TeulaT33]

I dont understand why we have to have a double pilicy of rideshare insurance as a driver I feel expolited on paying for the uber lyft commercial insuran e and my own private rideshare insurance id imagine both of these insurance companies would rather not pay and try to pin it on the other if somthing happens im based in CA

[@napolinlaw]

It’s true that Uber requires drivers to pay for coverage that overlaps at least in part with what they already pay for. I don’t know to what extent their premiums decrease by requiring drivers to also have some coverage. I’ve come across drivers without any coverage of their own so it’s clear some drivers are uninsured but for Uber’s coverage.

[@clydecash5659]

I’m still trying to figure this out myself and (no sarcasm) I don’t see the relevance. My only surmise is that the insurance companies/Uber Lyft don’t want you to know about this so not if, but WHEN you get in an accident that is not your fault, they can just give you the middle finger and act like the cable company from southpark and say “awww… yea…. That’s too bad……. You really gotta have the rideshare insurance that nobody ever mentioned to you…”

[@timallison8560]

my question is why is uber not regulated to explain who the underwriter or insurance company the coverage is provided by? anyone can say they have this insurance but there is no proof provided.

[@napolinlaw]

Proof of insurance is different than knowing the carrier and coverages for a particular incident. Once a claim arises, these companies behavior gets interesting.

[@TitanFan2727]

I'm an Uber Driver in Los Angeles. I was en route to pick up a passenger when I was hit by another car. I got a witness to back up what happened. Will Uber cover me medical bills?

[@Texas_2023]

…

[@ideasforcardboard3]

Yesterday I worked as an Uber driver, when I was delivering an order there was an accident. what measures should I take? Should I report it to my insurance company?

[@napolinlaw]

Yes report it to your insurance carrier and Uber. Speak with a local personal injury lawyer if you aren’t at fault. If you are at fault, then your own insurance and/or Uber will defend you in court if it comes to that.

[@user-mm4ff2hp1l]

Does Uber have UIM in Hawaii? Just got into rear end accident the fault driver has No DL No Insurance. I don’t know what to do :(?

[@napolinlaw]

I don’t think there is any UM purchased by Uber in Hawaii. I’m not sure though I think Hawaii is a no-fault insurance state so the rules might vary. I answer how to find out if Uber has purchased Uninsured Motorist in each state by examining the certificates of insurance, in this live stream: UBER INSURANCE UNINSURED BODILY INJURY COVERAGE EXPLAINED LIVE BY ATTORNEY ALEXANDER NAPOLIN kzbin.infoTYfp-9K9o8A?feature=share

[@Jon-dk4qu]

I recently experience flood and anticipate damages as i was driving a passanager and heading to drop them off. I file a claim to uber, there going over the details. Will uber take care of the repairs? I also filed a claim through my insruance. Should i cancel the claim if uber goes through? Also should i informed my insurance this was a trip while on uber? Thank you and sorry for so many questions.😮

[@napolinlaw]

Uber’s comprehensive coverage can probably be invoked. If you have your own policy with a lower deductible then that might be a better route for you. I believe Uber’s deductible is 2,500. You’d have to review the insurance policy to determine if the comprehensive coverage applies to the flood damage. You might have to use Uber’s insurance if you didn’t inform your insurance carrier that you were using your auto for ride share prior to the incident.

[@Jon-dk4qu]

@@napolinlaw thanks for replying this is very helpful.

[@Jon-dk4qu]

Im follow-up up ​@@napolinlaw. Uber insurance ended up taking precedent after my insurance denied the claim. Presently uber has given me an appraisal and estimated set of costs after 1-2 weeks of delays due to negligence of the adjuster ( my first adjuster didn't do anything for two weeks) With that context In mind, I'm currently being asked to use a used engine for the vehicle by progressive but my dealership Dalton Toyota is asking for a brand new engine. Indirectly I'm being ether to change shops, pay out of pocket the difference. Progressive insurance basic doesn't want to follow the guidelines from Toyota my service center. @napolinlaw From a legal stand point is there anything I can do? Could your team perhaps take a look at my case and see what the best course of a Rio. To take here? I have a hunch progressive may be violating a clause of CCR 2695.8

[@darrellanderson7199]

What all does Uber and or Lyfts insurance cover and who pays what thanks Mr lawyer.

[@napolinlaw]

It depends upon the state, the stage and the type of damages (bodily injury, property damage). And mostly it’s what the adjuster decides to offer. Be careful especially with Lyft and Uber.

[@hoosierslots2184]

I have limited liability through my insurance company. I drive Uber. Tonight accidentally drove through flood waters possibly flash floods. I had a passenger in the car and my vehicle was totaled. You think they will cover me for my vehicle. I have a learning disability and don't understand this all the way. It was in Indiana.

[@napolinlaw]

I don’t know if they will cover your vehicle or not. In California, I think the answer is that Uber does provides neither collision nor comprehensive coverage for the repair or replacement of the driver’s auto in your situation.

[@LeeB5]

Sorry that happened to you. Same happened to my son, totaled his car, Uber paid for other driver’s totaled car, but refused to cover my son’s totaled car, even though he had a passenger. Happened in TX.😢

[@wneal88dw]

I hit a pole being at fault while in route to a passenger while on app. Will Uber pay for damages to my vehicle?

[@napolinlaw]

It depends on the insurance policy. From my knowledge in California you have collision coverage in Period 2 with a $2,500 deductible so long as you were driving an authorized vehicle and you had your own personal use collision coverage on that vehicle, or the vehicle was leased through an authorized dealer for use with Uber services. This could vary by the policy in force on the date of loss. You would need a copy of the policy to know for certain if the loss is a covered loss under the collision coverage. It can be hard to get the policy from the adjuster.

[@juanadiaz152]

So when you pay rideshare to your car insurance what they cover?

[@napolinlaw]

It depends on the policy terms that you purchase. If you have insurance but didn’t pay extra for ride share coverage, Uber’s insurance will provide some coverage as described in the video, depending on the period you are in. Based upon my understanding of the policies I’ve seen Uber provides collision coverage with a $2,500 deductible only if you have collision coverage on your vehicle for personal use (and don’t buy the additional ride share coverage).

[@ridesharebeware5747]

A man ran a red light and totalled my car while I had two Uber passengers. I was injured, my passengers were not. The other driver was uninsured and has admitted fault. Does this mean that my attorney could hypothetically ask for. the $1,000,000 limit as a negotiation starting point?

[@napolinlaw]

I have settled these cases for policy limits, but the damages must be quite large. One case involved the wrongful death of an Uber driver. It’s quite possible that Uber’s insurance carrier will low-ball and jerk you around. My suggestion is get a lawyer and get aggressive. The outcome will depend on the nature and extend of your injuries, your medical bills, need for further medical treatment, lost wages, lost earning capacity.

[@ridesharebeware5747]

@@napolinlaw thank you. Do you mind if I ask, were you ever able to obtain a copy of the Uber driver insurance declaration page? I have an attorney requesting the full declarations longform insurance policy but all I can find are the 4 to 5 page liability and insurance ID on the website. Thanks for any help.

[@tadehdavtian388]

@@ridesharebeware5747 what is your email? I have them.

[@azucarweber2456]

I got into an accident today, 😢 my car total loss, other car young lady broke her wrist.. I was driving to pick up one passenger, other driver was doing alone.. please contact me I need help.

[@napolinlaw]

Call me and I’ll be happy to give you a free consultation if you’re in California.

[@federicogarcia6953]

Hello I had the question, if I get in a accident and am asked for insurance do I give my regular insurance or call Uber. Thank you

[@napolinlaw]

That’s a great question. Do both. Whether your insurance would be primary depends on whether or not your own insurance covers ride share. If it doesn’t, then you might have insurance with Uber depending on the claim specifics. If it’s an uninsured bodily injury claim, then Uber had coverage for you, but let’s just say it’s sketchy adjusting from out of state excess carrier lines that have horrible customer service and try extremely hard to dissuade and ruin your claim. In which case, you need a lawyer to literally get all over then hardcore right from the beginning.

[@napolinlaw]

But yes specifically you would give them whatever insurance is primary. Whether you need to report to Uber is another question.

[@ideasforcardboard3]

Hello. I got into an accident that was my fault while driving for Uber. If I pay a deductible of $2500 will it cover the costs of both cars? thanks for the answer🤗

[@napolinlaw]

The collision coverage is only for you as a covered driver. The other party is going to collect the property damage using the liability provision of the Uber policy.

[@tadehdavtian388]

I need help 😫Uber deleted the trip of accident and Progressive's subsequently response was there is no uber ride, rejected! What are my rights and options. Period 2, en route to pick up the passenger and took screenshot of cancellation page which shows date and time of that trip matching 911 call and police accident report. I have sent emails to your lawfirm. Should we litigate the civil fraud trial matter and file the insurance Acting in Bad Faith? What is the procedure?

[@napolinlaw]

Hi, yes I received the emails but I haven’t had time to respond. I’ll be in court all tomorrow Mandatory Settlement Conference on a big case. But I will review the situation. The factual issue of what period you were in is litigable, probably as a bad faith action, but I’d have to think about whether I could do that for you after reviewing the evidence.

[@BB_TRUTH]

Does this also include Uber eats drivers?? My stepfathers mail box was completely damaged because a Uber eats driver reversed into it..Will they cover the damages?

[@napolinlaw]

Some of it applies to Uber eats as well. If the Uber eats driver did it during a delivery then your father should put in a claim with Uber. My suggestion is to replace the mailbox and send in the bill for reimbursement. I don’t know if Uber will pay up, but they are liable for the damages. If they don’t pay then he can file a claim in small claims court (that’s what it’s called in California- Small Claims for under 10k in damages). Eventually a judge will hear the case and making a ruling. Hopefully it doesn’t come to having to file a lawsuit.

[@BB_TRUTH]

@@napolinlaw Ok thanks so much, we're in Ohio.

[@napolinlaw]

@@BB_TRUTH Ohio is an at-fault state meaning drivers are liable for injuries they cause. Property damage shouldn’t be any different. If they were on the delivery then I would argue Uber has liability by the doctrine of Respondeat Superior and agency principles.

[@BB_TRUTH]

@@napolinlaw Ok, I appreciate the response.😉

[@birdup4949]

I am a Uber driver and I was rear-ended while I was on a ride with a passenger no injuries but how do I go about this?

[@napolinlaw]

Report the claim to Uber and to your own insurance company. Speak to your assigned claims representative to provide the specific circumstances of your situation. You can then assess your coverages and how they apply to decide what to do next to get your car repaired. I can’t provide you any legal advice here. I can only general tell you what to do, which isn’t legal advice. You will likely need to pay a deductible if you use your own insurance coverage. You could also call the person who hit you and tell them to tell their insurance company to cover everything. Then tell their adjuster to fix it and pay loss of use damages. Many people decide to use their own insurance company to avoid the hassle of dealing with someone else’s insurance adjuster to get their automobile repaired. If you use your own insurance then you might get your deductible back if the defendant’s insurance carrier pays your insurance carrier for the repairs. This subrogation dynamic will vary by state and carrier, and liability disputes occur and are resolved in carrier arbitration.

[@shankardegala2537]

Today i have took a uber ride, im sitting in the backside just after crossing my housing community. The cab driver went in the wrong direction and the car coming the opposite direction hitted us .Clearly it is uber driver's fault . I was ok at that movement no external injuries having internal pain at rhat moment and I'm in shock for a while . i have called my friend as it is just 200meters away my home. He came and took me home to do first aid before the police and emergency team comes. After reaching home i have reported the incident to uber incident team .I didn't took any pics of the incident but I was suffered.So how to processed for claim in this case?

[@napolinlaw]

If you’re in California I’d be happy to speak with you about your legal rights over the phone. If you’re in another state, you should call a lawyer in your area for legal advice because laws do vary.

[@KayCALBC]

I have a HUGE case right now. I'm an Uber driver. The accident just happened yesterday morning 1/14 at 1:20 am. I picked up the passenger and drove him home on a street. A woman was “tired” coming from work and fell asleep she ran the red light and hit the passenger side half of the car on the rider's side where he was sitting. My car spun out and was facing on the opposite side of the street. It was totaled. I have an attorney to represent me I'm just curious how much would a settlement like this be when we go after the women's insurance and then the Uber policy. The goal is to exhaust her insurance first then uber. My neck is hurting bad and will need X-rays and chiro treatment. I have already lost a lot of money from not working since then. Thank God I was renting the car through Uber with Avis. The women did not take any of my information down or take pics. She just apologized 1000 times. Her front car was bad and her airbag deployed. Mine didn't come out cause I was hit from the passenger side. Thankfully she didn't hit the car in the middle the car would have flipped over. I'm thankful to be alive after this incident. California is deadly. Very scary!!!

[@napolinlaw]

The size of your case depends on your injuries and the medical treatment (and bills) necessary to cure or relieve those injuries. It’s often impossible to know the value of a case early on until time goes by and the long-term consequences of the injuries become more fully understood. Whereas some might heal in the matter of weeks or months, other injuries can be debilitating for years and be lifelong. If the injuries result in a lot of lost time from work that can also significantly increase the size of the claim. If they preclude you from working for an extended period of time or forever, then the impact on your livelihood might be catastrophic. If you are in Period 3 then you have up to 1 million in coverage to share with your passenger. This would be uninsured motorist bodily injury coverage. The idea is to collect the policy from the lady who hit you let’s say that’s 50,000 and then Uber would have another 950,000 to make it up to 1 million. If you and your passenger have severe injuries, it’s often a fight between plaintiffs since the 1 million is an aggregate figure. I’ve had policies pay 600/400, one party getting 600 the other getting 400, 700/300, 900/100 and so on. It all depends on the relative injuries of the parties. Sometimes wrongful death is involved and that can change things. End of the day, if this accident just happened and you’re in California, I’d be happy to help you. A lot of lawyers don’t go into the details to help their clients understand the situation. I can do that for you. If you’re happy with your lawyers, then stick with them. Also, be careful what you share online from here on out since it’s all discoverable by the insurance company snooping around.

[@vitallifestar]

Who is your lawyer ?

[@May14533]

Uber will try to pay for hospital bills maybe and u won't get a settlement I was hurt in pa like you amd didn't gwt nothing

[@clementitalume564]

I think one can just sue Uber and request them to disclose their insurance company or just sue them directly if they don’t have insurance.

[@napolinlaw]

It’s bad faith to refuse to provide an insured Uber or Lyft or Rideshare driver a copy of the insurance policy, coverages and time limits to exercise rights under a policy they themselves have never seen and are not a party to.

[@clementitalume564]

@@napolinlaw 💯

[@Tperry182324]

So can you have liability to work for Uber or does it have to be liability

[@napolinlaw]

You can also be personally sued if you cause an auto accident and probably would be personally named in any lawsuit. Uber would also be named and their insurance would provide for your defense as well.

[@tjthegreen]

Mr. Napolin. I'm sorry if this comes as a bother to you. I am just so anxious/worried/scared and don't know where else to turn. I was driving for Cornershop in January 2022. I believe they were absorbed by UberEats. I was involved in an accident while making a food delivery. The accident involved a Lyft Driver who had a passenger. Well, I thought that everything was taken care of by insurance however I got a packet from the passenger's lawyer saying that I am being personally sued (jointly with the other driver). I am trying to contact someone at Uber's legal department to find out if they will defend me. If not, then I will need to find my own lawyer. I already went through my personal car insurance and they said they can't help me. Do you know a good phone number for Uber's legal department?

[@napolinlaw]

It says its owner is Uber. The website gives no information about how to report a claim. You definitely need to report this to Uber right away through the app and contact support. The link to the third party incident notice is located at inquiries.uber.com

[@tjthegreen]

@@napolinlaw Thank you so much for your swift response. Just to clarify, I'm not trying to report a claim. I'm trying to find a civil defense attorney. Cornershop already denied the claim at the time and it was my insurance carrier who settled.

[@clementitalume564]

Please which Insurance company does Uber use for bodily injury.

[@napolinlaw]

It depends on the state. The claim I recently closed in California was a Progressive. They did provide the policy after about a year or hounding.

[@tadehdavtian388]

Bodily injury has lost income earnings replacement up to $1,324 per week and disability payments earnings replacement of $500 per week, both up to maximum! They are provided by second insurance company in my case was Intact Insurance, also AON risk management company brokers alternatives... on Uber's behalf

[@Gorgeouslife247]

Does uber have a tracking system to prove if their driver was driving recklessly? This is what i was told when they denied my claim.

[@napolinlaw]

All cars store crash data and yes it’s possible your automobile speed and trajectory are known leading up to and at the time of impact. If your Uber app is also on then it’s possible that it can collect data. I don’t know if it’s true that the information is used to make a claims decision. Bottom line, ask for an explanation in writing.

[@Gorgeouslife247]

Thank you for your response. I will do that.

[@malibulalala]

I was in a car accident as a Uber driver, seems like they don't cover my accident even if it's not my fault... Uber never covers drivers?

[@napolinlaw]

If you had a passenger then you might qualify for their uninsured motorist coverage for bodily injury in California.

[@sauputt6225]

I met an accident and police report says me at fault... Will uber cover my loss... My car was at total loss

[@ozanusanmaz8839]

Why they dont cover it as soon as you maintain comprehensive&collision on your personal insurance Uber should kick in and cover it. That is what it says in the Uber app.

[@LeeB5]

@@sauputt6225same happened to my son in Dallas…Uber will cover the other driver’s car, which was totaled as well, but will not cover my son’s totaled car, even though he was carrying a passenger..thank God, no one was injured.

[@candy5742]

If someone hits you in Arizona and total your vehicle will Uber give you a check towards a new vehicle like normal insurance does.

[@napolinlaw]

Maybe. I believe Uber provides collision coverage to drivers. Watch my video on collision coverage. kzbin.info/www/bejne/g5mlk6eBmtGercUsi=SPbTPt2P0CAZpJ2Q

[@candy5742]

@@napolinlaw I found out you have to pay Uber $2,500 before they will pay for anything. I will check the video out.

[@napolinlaw]

@@candy5742 Yes that's true it's going to be a $2,500 deductible if Uber's collision coverage applies.

[@EMan-cu5zo]

I don’t see this being a profitable business model in the long run. Who is going to drive for them for such little money and assume so much risk.

[@napolinlaw]

It’s a lifestyle for many drivers. I’ve used both services myself and I speak to the drivers who are more than inclined to share their thoughts on the business, which is work when you want, as much or as little as you want, get paid. Others say it’s not as great as it sounds.

[@EMan-cu5zo]

@@napolinlaw I can understand that but I just started doing like two or three deliveries a day and a lot of the offers I would lose money on. I have see. Something like 11 miles for 4$. That’s with traffic on top of it. The trip one way can take 30 minutes probably more during that time of day. I can understand wanting to have more control of work but it has to be profitable at the end of the day.

[@juanadiaz152]

Is it the same for uber eats?

[@napolinlaw]

I think coverages differ for Uber Eats. I’ll have to take a closer look and make another video on those coverages.

[@epicsseven7686]

I'm dealing with this right now. I drive for Lyft. I had 4 passengers in my car. A couple and their two sons. We're waiting at a light to turn green, when suddenly I'm hit from the back from a deiver whom admitted to me that he was looking down, nit paying attention. Everyone are okay. I'd got the driver's información, number and insurance policy. I'd reported ot to Lyft. But here's the issue. Lyft’s insurance company wants me to pay an 1800 dollar deductible to fix my car. Talk about a wtf moment. I'd replied by asking, why do i have to pay a deductible? When his insurance should be paying for my car? In rhe end. I'm giving away money. And Lyft is going to have his insurance reimburse them for the repairs. Is there a way around this? I've never had this issue with my personal car insurance.

[@napolinlaw]

The property damage is a tough situation sometimes with multiple carriers, deductibles and coordinating between parties and the body shop. He must not have enough insurance to cover the damage, or no use used at all.

[@epicsseven7686]

@@napolinlaw I'm not really sure what the guy who hit me, insurance is able to cover. I'm going to call his insurance carrier to see if they can repair my car, seeing that Lyft isn't trying to pursue them for me, where I don't have to pay anything, like it would normally be if it's your own insurance, dealing with the same situation. It's a shit show with Lyft and Uber. God damn shame that they're getting over by having us pay and eventually getting reimbursed for the repairs from his insurance company.

[@juanadiaz152]

Those companies they only become richer from people

[@napolinlaw]

It's all about maxing out profits.@@juanadiaz152

[@jonathan_4803]

Ok and how about if someone hit the uber driver?

[@napolinlaw]

If the person who hit the Uber driver caused the collision and has no insurance then Uber provides Uninsured Motorist insurance protection in California if there was also a passenger in the Uber car at the time.

[@chiwooyim458]

If you tell geico or state you tell you driver uber or lyft they don’t accept your vrhicle

[@napolinlaw]

You need to buy separate insurance for rideshare beforehand or else your personal auto coverage won’t cover a loss while driving for Uber in any Period. Best option is to purchase additional insurance such as Uninsured Motorist and Collision Coverage. Many drivers don’t know how limited Uber’s built-in coverage is and don’t buy extra protections, or they choose to go without their own coverage due to the additional cost.

[@Texas_2023]

If the police reports says it’s the Uber driver is his fault what happen

[@napolinlaw]

If it’s an accurate report then it means you might have no recourse against the other people in the collision. It means you’re at fault and cannot collect damages. In California, we have comparative fault where each driver can be assigned a percentage by the jury and then their award is reduced by the percentage of fault assigned to that driver. In a comparative fault state, the police report might assign all fault to one party when in fact both parties bear some responsibility. It could be that you aren’t 100% at fault. Some states have no-fault insurance rules. It’s best to consult a lawyer in your state. Your insurance company will assign a lawyer to defend you in case you are at fault. That would be your defense lawyer and they might be the best attorney to discuss the matter with.

[@Factoria-hindi]

Hi

[@napolinlaw]

Hello, thanks for stopping by! If you need help with any accident-injury related business, hope my videos help! Remember to always seek legal advice from a lawyer in your jurisdiction!

[@user-mm4ff2hp1l]

Does Uber have UIM in Hawaii? Just got into rear end accident the fault driver has No DL No Insurance. I don’t know what to do :(?

[@napolinlaw]

Sorry to hear it. Call a lawyer in Hawaii that’s where the jurisdiction is. Report back what you find out.