Nestled in the heart of Los Angeles County, Glendale, California, is a bustling city known for its vibrant culture, diverse communities, and busy roadways. As a hub for commuters and rideshare activity, the city sees its fair share of traffic incidents, making it essential for residents to understand their legal rights and options in case of an accident.

In an Uber accident, the driver’s status in the app significantly impacts the insurance coverage available to address damages and injuries. Whether the driver was offline, waiting for a ride request, or actively transporting a passenger, these distinctions influence the process of filing a claim and the compensation you may receive.

If you’ve been involved in such an accident in Glendale, it’s crucial to consult Glendale Uber accident lawyers. They will help you navigate legal complexities and secure fair compensation for your losses.

Offline or App Not in Use

When an Uber driver is offline or has the app turned off, Uber’s insurance coverage does not apply. The driver’s auto insurance solely covers any accidents occurring during this time.

Accident victims, whether other drivers, pedestrians, or passengers in another vehicle, must file claims against the driver’s personal insurance policy. This can lead to complications if the policy has limited coverage or exclusions.

Waiting for a Ride Request While Logged In

Uber provides limited liability coverage if the driver is logged into the Uber app and waiting for a ride request. This contingent insurance applies only when the driver’s insurance does not cover the accident or the damages exceed the personal policy’s limits. The coverage includes:

• Coverage for bodily harm up to $50,000 per individual.
• Up to $100,000 for physical harm in each accident.
• Up to $25,000 for property damage in each accident.

This limited coverage ensures some protection for accident victims but may not fully address significant damages or injuries.

During a Ride or While Picking up a Passenger

Uber’s most extensive insurance coverage kicks in if a driver accepts a ride request and transfers a passenger. To make you feel safe and secure, this phase offers stronger levels of security, such as a $1 million Third-Party Liability Insurance that covers third-party damages and injuries if the Uber driver is at fault.

• $1 Million Third-Party Liability Insurance: Covers injuries and property damage to third parties if the Uber driver is at fault.
• Uninsured/Underinsured Motorist Coverage: Passengers are protected if another driver’s lack of insurance causes an accident.
• Contingent Comprehensive and Collision Coverage: This policy covers damage to the Uber driver’s vehicle regardless of fault, provided the driver’s insurance includes collision coverage. This policy consists of a $2,500 deductible for UberX and UberXL drivers.

These protections are crucial for passengers, pedestrians, and other affected parties during this phase of the driver’s status.

Bottom Line

Working with experienced Uber accident lawyers is essential when navigating the complexities of insurance coverage in a Glendale case. The driver’s condition during the incident significantly impacts the applicable policies and the amount of money available for damages and injuries.

By understanding these distinctions, you can protect yourself and ensure that you have the right legal counsel in the event of an Uber accident. With this knowledge, you can take control of your life and choose your insurance and legal representation wisely.