Personal Injury Law Blog

Average California Uber Accident Settlement and Claim Amounts

Ten years ago, no one had heard of Uber. But now, Uber is a common household term. Today, many use Uber as their regular form of daily transportation while others use it when they need a ride home after a night out. With these demands comes an increase in the volume of Uber drivers on the roads. Unfortunately, this means car accidents with Uber drivers may occur more frequently. 

If you suffered injuries after an accident with an Uber driver, you may wonder what you can get from an Uber accident settlement payout. In California, when injured in an auto accident, you have a right to recover damages from the at-fault driver. You may feel overwhelmed by mounting medical expenses and the emotional distress resulting from your experience. Hiring a personal injury attorney is the first step to take in pursuing an Uber accident settlement. 

Understanding California Uber Accident Claims Process 

Uber accidents differ from other car accidents because an Uber driver may be working at the time of your accident. While Uber drivers can be covered by liability insurance through Uber, the coverage is complex and depends on various conditions. These conditions mainly depend on the “status” of the Uber driver at the time of the accident. 

Personal Insurance Coverage

If an Uber driver does not have a passenger at the time of the accident and is not logged into the Uber system for work, they are covered only by their personal insurance coverage. Unfortunately, California’s minimum liability requirements for car insurance provide for only 15/30/5 coverage, which means the following:

  • $15,000 for injury or death to one person, 
  • $30,000 for injury or death to more than one person, 
  • $5,000 for property damage.

As you know from experience, these amounts of minimum required coverage are likely to fall far short of what you might need if injured in an accident involving an Uber car. In fact, when it comes to obtaining a fair Uber accident settlement payout, these minimum liability insurance requirements may hardly scratch the surface to provide for your injuries and damage. 

Personal Insurance Coverage As Primary  

If an Uber driver is logged in and waiting for a fare, but does not have a passenger, then resulting accidents will be primarily covered by their personal insurance. However, if the Uber driver’s personal insurance company either denies a claim or fails to adequately cover the costs of a claim, Uber’s insurance coverage kicks in. But know that Uber’s insurance policy in these circumstances covers only up to $50,000 per injury or a $100,000 maximum. 

Uber’s Insurance Coverage 

When an Uber driver is logged into the system and has a passenger or is on their way to pick one up, the driver is covered by Uber’s insurance coverage. Uber provides a one million dollar coverage policy in these circumstances. Parties covered include the Uber driver, Uber passengers, and other parties involved in the accident. The coverage policy covers injuries and property damage.

What Is an Uber Accident Settlement?

Following a car accident, it’s vital to hire a qualified personal injury attorney to represent you through the process. Representing yourself in pursuing an Uber rideshare settlement while you simultaneously recover from your injuries is a daunting undertaking. Instead of taking it on yourself, hire a lawyer who knows the ropes of the legal system. Your attorney works on your behalf to gather evidence, negotiate, and pursue just compensation, so you can focus on getting your life back.

How Is an Uber Accident Claim Handled?

After an accident claim is filed with either the Uber driver’s personal insurance policy or Uber’s insurance company, the company then evaluates the claim. The most important determination at this point is proving the driver was negligent and caused the accident. In California, a negligence claim is composed of four elements: 

  • Duty: The driver owed a duty of care to others.
  • Breach: The driver violated this duty of care through their conduct.
  • Causation: The violation or breach led to an accident that caused your damages.
  • Damages: You suffered losses due to the driver’s conduct.

At this point, if negligence is established, you may receive an Uber accident settlement offer. Typically, the first Uber rideshare settlement offer from an insurance company may be an amount far less than the value of your claim. Your attorney then negotiates with the insurance company to get you a fair Uber accident settlement payout. 

In some situations, you may be unable to reach an agreement on a settlement value. While the majority of personal injury lawsuits settle before going to trial, your attorney will advise you on the best path forward. 

What is an Average Uber Settlement in California

Like most accidents, determining an average Uber rideshare settlement is complicated and depends on multiple factors. These factors include:

  • The severity of your injuries, 
  • The determination of fault, 
  • Available funds in an insurance policy.

Other issues may affect Uber accident settlement amounts. For example, let’s presume there were multiple passengers in a car. After an accident with an Uber driver, all the passengers in the other car were injured. This fact reduces the amount of money available for you, as the coverage policy must cover the injuries for all the passengers involved. 

For this reason, most attorneys never provide clients with average Uber accident settlement amounts. Each case presents its own set of unique facts that must be carefully evaluated. However, after gathering all the necessary facts and evidence related to your accident, your attorney may provide you with an accurate estimate as to the value of your case. 

Contact Us

With the increased use of Uber ridesharing services, comes the increased risk of car accidents. The aftermath of a car accident leaves many feeling overwhelmed and emotionally drained. You may wonder what to do next. With over fifty years of experience, the attorneys at Glotzer & Leib, LLP, have placed their focus on empowering their clients to move forward while we do everything we can to secure the compensation you need.

Contact us today for a free case evaluation and consultation. We provide virtual consultations and are available for you 24/7! Don’t delay and let your right to compensation slip away! 

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