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What Happens If I Am Hurt In An Uber?

Jason Turchin, Esq.

With the rise of ridesharing platforms like Uber, countless individuals now rely on the convenience and accessibility of these services for their daily commutes. However, like any mode of transportation, there is always a risk of accidents. But what happens when you get injured while on an Uber ride in Miami? Who is responsible? This article from Florida Uber Accident Attorney Jason Turchin delves into the intricacies of Uber-related injuries in Florida and what victims should know. As always, our Uber Accident Lawyers are here to help if you were hurt in an accident in an Uber while in Miami.

Understanding Uber’s Insurance Policy

Uber, as a ridesharing platform, is distinct from traditional taxi services in its operation and liability structure. While both taxis and Ubers transport passengers for a fee, the insurance coverage and responsibility differ significantly.

Uber generally provides a $1 million liability insurance coverage for its passengers. This means if you are injured in an Uber, the company’s insurance may cover your medical bills and related expenses up to this amount. The coverage often applies from the moment your Uber driver accepts your ride request until you are safely dropped off at your destination.

Different Phases of Uber Rides and Associated Coverage

  1. Before accepting a ride: If an Uber driver is online but hasn’t yet accepted a ride request and gets into an accident, Uber generally provides third-party liability coverage if the driver’s personal auto insurance doesn’t apply. This typically covers up to $50,000 in bodily injury per person and $100,000 in total per accident.
  2. After accepting a ride until the drop-off: Once a ride is accepted and until its completion, Uber’s $1 million liability policy is in effect. This includes instances when the passenger is in the vehicle and even during the time the driver is en route to pick up the passenger.

Keep in mind that these are general sample numbers, as Uber may change its policy each year or during the policy period. It is important to review the policy in effect at the time of your Uber accident.

Who’s At Fault?

Determining liability in the event of an accident while in an Uber in Miami can be complex. Various factors come into play, such as:

  • Was the Uber driver at fault for the accident?
  • Was another motorist involved and at fault?
  • Were there external factors, like road conditions, that contributed to the mishap?

If the Uber driver is found to be at fault, the company’s $1 million liability coverage may cover the expenses. However, if another motorist is at fault, the victim might need to seek compensation from that driver’s insurance.

Additionally, Uber’s uninsured/underinsured motorist coverage can be tapped into if the at-fault driver doesn’t have sufficient insurance or if you’re a victim of a hit-and-run. Also, if the passenger had their own uninsured/underinsured motorist coverage, that coverage may also apply.

Steps to Take If You’re Injured in an Uber

  1. Seek medical attention: Your health is paramount. Even if injuries appear minor, it’s often crucial to get checked as some injuries might manifest symptoms later.
  2. Document everything: Take pictures of the accident scene, any visible injuries, the car’s license plate, and gather witness information, if available.
  3. Report the incident to Uber: Using the app, you can report accidents or safety incidents. This step can be important to alert the company and ensure that the incident is on record.
  4. Contact your insurance company: Inform your personal auto insurance provider about the accident, even if you’re not driving. It could be important to have everything documented in case you need to file a claim.
  5. Consult an attorney: Personal injury laws can be intricate, and navigating the compensation process with big corporations like Uber can be challenging. An experienced personal injury attorney in Miami can guide you, ensuring you receive the compensation you deserve.

Uber Accident Lawyers Near Me In Miami

Being involved in an accident is stressful, more so when it involves ridesharing platforms with unique liability structures. By understanding the ins and outs of Uber’s insurance policies and the steps to take post-accident, passengers can be better prepared to handle such unforeseen situations.

If you or a loved one has been injured in an Uber, remember that you may have rights. For personalized guidance and a thorough understanding of your legal options, visit or contact us at 800-337-7755. Our experienced team is ready to support and advocate for you.

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