Does Uber Cover Medical Bills After an Accident?

Medical Bills After an Uber Accident that are covered by Uber's insurance policy

Yes, Uber does offer a $1 million liability insurance coverage, which may include medical expenses for you. Also, Uber has optional injury protection for drivers, which can cover medical expenses up to $1,000,000 with no deductible or copay.

To gain Uber’s support, you should take prompt action. The first step is to immediately contact Uber’s customer support and your insurance provider to initiate a claim process. However, filing a claim with Uber can be daunting, especially when recovering medical expenses and other damages.

This is where Uptown Injury Law, PLLC, can help you. Our team of seasoned Uber accident lawyers handles such cases with precision and dedication. We understand the complexities of rideshare laws and insurance policies, enabling us to negotiate effectively on your behalf.

Contact our office at 917-540-8728 to schedule a FREE case evaluation.

How Do Ridesharing Companies Compensate for Accidents?

Ridesharing companies like Uber or Lyft compensate for accidents depending on the accident’s severity. If it’s a minor accident with little damage, the company will typically cover the cost of repairs through their insurance policy. 

However, the insurance coverage depends on the driver’s status. If the driver is not logged into the app or is offline, their personal auto insurance policy will handle the damages. In this case, Uber provides no coverage. If the driver is active on the app and awaiting a ride request, Uber provides liability coverage of up to:

  • $50,000 per person
  • $25,000 for property damage
  • $100,000 per crash

Conversely, if the driver is en route to pick you up or is dropping you off, Uber provides up to $1 million as liability coverage per accident and also uninsured/underinsured motorist bodily injury coverage. 

Additionally, Uber may offer a contingent comprehensive and collision insurance policy with a $1,000 deductible for drivers who have their own comprehensive and collision coverage. But remember, the coverage may vary depending on the accident’s severity.

The ridesharing company may reimburse additional medical bills, lost wages, and other expenses for severe accidents that result in injuries. Overall, the compensation offered by these companies aims to lessen the financial burden on you and ensure you receive proper medical attention and support.

Typical Benefits Provided by Uber 

Uber extends a range of benefits to both drivers and passengers, aimed at providing financial support and peace of mind. These benefits include financial assistance, coverage for medical expenses, vehicle repair costs, and compensation for lost wages. Here’s a closer look at each of these benefits:

  1. Insurance Coverage: As an Uber driver or passenger, you can rest assured that Uber’s insurance is in place to protect both parties. The company provides a comprehensive insurance policy that includes liability insurance and uninsured/underinsured motorist coverage. The insurance protects you and the other party in an accident.
  2. Medical Bills: Uber may provide coverage for medical bills you suffer. This can include hospital bills, doctor’s fees, and other related medical costs resulting from injuries sustained in the accident.
  3. Lost Wages: If you cannot work due to injuries from an accident, you can receive compensation to cover your lost income. The compensation can provide financial support during recovery when you cannot earn income.
  4. Property Damage: If your personal items are damaged in an Uber accident, the company compensates for your damages by replacing or repairing these items. They also cover the repair cost if your vehicle is damaged.

Uber Liability and How Do They Pay for Medical Expenses?

Uber rider booking a car through the Uber App for his daily commute

Uber carries liability insurance to cover medical expenses and other damages caused by their driver. If you face an Uber accident, you can file a claim with Uber’s insurance company by providing information about the crash and the injuries you suffered. The amount of coverage you receive may vary based on the accident details and the state laws in which it occurred. Typically, Uber’s liability insurance covers bodily injury and property damage.

In addition to standard liability insurance, Uber provides uninsured/underinsured motorist coverage. This is particularly important in incidents where the at-fault driver lacks adequate insurance or is uninsured. It ensures that you’re protected even in complex Uber accident cases.

Uber’s policy also includes a medical payment coverage component for medical expenses. This coverage pays for medical expenses for your injuries, regardless of who was at fault. The coverage limits range from $50,000 to $100,000 per person.

However, just like any other insurance company or profit-driven business, Uber can deny liability and your claim to minimize payouts. In such cases, you can sue Uber directly or seek compensation from the driver’s personal insurance policy. 

If you’re facing such a situation, it is advisable to consult with an Uber accident attorney at Uptown Injury Law, PLLC to guide you on the best course of action and represent your interests in the case.

In Which Car Accident Cases Is Uber Liable?

If you are in a car accident while riding with an Uber driver, the company’s liability can depend on a few factors. For instance, Uber is responsible if the driver was active on the Uber app during the accident. This includes actively transporting a passenger or on the way to pick up a passenger. In such cases, Uber will cover your accident-related expenses up to the limit of $1 million in third-party liability insurance.

However, the company’s liability may be limited if the driver used the vehicle for personal reasons and was not working for Uber. For instance, if the driver was off the clock and using the car to run personal errands, Uber may not be responsible for any damages resulting from the accident. In such cases, Uber driver’s personal auto insurance will apply instead of rideshare insurance.

Moreover, in some cases, both the driver and Uber may be held accountable for an accident. For example, if the driver was under the influence of alcohol or drugs at the time of the accident, they may face criminal charges. On the other hand, Uber may face civil liability for negligently hiring or retaining the driver.

At Uptown Injury Law, PLLC, our Uber accident attorneys collaborate with accident reconstruction specialists to examine your accident site, ensuring a clear understanding of who is at fault for your damages. Don’t keep waiting. Give us a call at 917-540-8728, or begin your free case evaluation today!

Health Insurance’s Role in Uber Accident Medical Costs

Health insurance can play a substantial role in managing medical costs related to Uber accidents. It can complement Uber’s coverage and help cover any remaining medical costs, especially if you have extensive medical needs or were not in the Uber car when the accident occurred. Combining Uber and your health insurance can offer comprehensive protection and ensure you receive the best care after an accident.

In unfortunate situations where you don’t have health insurance, it can be stressful to cover outstanding medical bills. But there are ways you can pay for your medical costs while you await Uber’s insurance policy to pay out your claim.

Ways to Pay Medical Bills Before You Recieve Compensation

One option is to file a claim with your auto insurance provider. If you have auto insurance, it may cover your expenses, and the insurer will then use a process called subrogation to make Uber’s insurance company reimburse the paid expenses. This option can be beneficial as it stops you from paying expenses out-of-pocket until you receive compensation.

You can also use your Medpay insurance, an optional add-on in New York and other states. It provides medical payments (MedPay) in case of an accident, regardless of fault. It means that even if you are at fault for the accident, the MedPay insurance will apply. 

Will Uber Cover the Medical Bills of a Deceased Passenger?

While no financial amount can replace a lost loved one, it’s essential to know that you can receive compensation, including reimbursement for medical bills related to the injuries or illness before the death of your loved one.

The compensation can play a part in providing financial support to you and your grieving family and addressing the medical bills incurred as a result of the accident. While the pain of loss remains, the compensation can assist in relieving the financial burden associated with medical treatment.

Why Do You Need an Experienced Uber Accident Lawyer for Your Case?

Navigating the complexities of liability, insurance, and expenses related to Uber accidents can be challenging. However, having a knowledgeable lawyer can increase your chances of maximum settlement for your injuries and other losses.

Some Uber accident victims receive sufficient compensation through regular insurance procedures, but others may have to consider alternate legal options for seeking compensation, particularly in the case of more severe accidents.

In an Uber accident lawsuit, you may receive compensation for losses, which can include but are not limited to:

  • Medical bills
  • Counseling for past, present, and future PTSD and other emotional or mental trauma
  • Transportation cost for medical care.
  • Lifelong Disability
  • Loss of enjoyment in life
  • Lost income
  • Diminished future earning capacity
  • General pain and suffering

Uber does provide compensation to the victims, but mostly, the intervention of an attorney is necessary to ensure you don’t settle for a lesser compensation amount. 

Contact Uptown Injury New York Uber Accident Lawyer Today!

At Uptown Injury Law, PLLC, we understand the financial and emotional burden that Uber accidents can bring. If you’ve been in an Uber accident and are facing mounting medical bills, don’t delay your claims process. Our experienced attorneys are here to fight for the compensation you need to cover your losses, including medical bills.

Why Choose Uptown Injury Law?

  • Proven Success: With a proven history of securing up to $100 Million in settlements and hundreds of 5-star reviews, we have the expertise to ensure you receive maximum compensation for your medical bills.
  • Comprehensive Support: Your well-being is our top priority. We consider your current and future needs, ensuring your settlement covers all damages from the accident.
  • Free Case Evaluation: Wondering what your case is worth? Contact us for a free, no-obligation case evaluation. We’ll provide a clear understanding of your options and guide you toward the compensation you deserve.

Don’t let medical bills from your Uber accident overwhelm you. Take the first step toward recovery by scheduling a free consultation now or calling our office toll-free at 917-540-8728. We’re here to help you get the financial support you need.


What Is Workers Compensation Insurance Coverage?

Workers’ compensation insurance coverage provides financial support to employees who suffer injuries while on the job, including Uber drivers. In the case of a car accident involving an Uber driver, workers’ compensation may come into play if the driver was transporting you or performing work-related tasks during the accident.

Does Uber Cover Accidents and Personal Injuries for Drivers and Passengers?

Uber provides insurance coverage for you and the driver in case of accidents and personal injuries. The extent of coverage depends on multiple factors, such as the accident details, the insurance policies in place, and the local laws and regulations.

How Do You Report an Uber Car Accident?

If you’ve suffered injuries in an accident with an Uber driver, you should first ensure that you contact the police to create a police report. This report will help document the details of the accident. You can then contact Uber through customer support to report the incident and initiate the personal injury claims process. They will provide you with a claim number for your accident, which you can use to trace the claims processing.

Does Uber Use Medical Records as Evidence?

Yes, Uber requires evidence such as medical records and police reports for the claims process. This evidence allows them to examine the extent of your injuries. Therefore, you must provide documentation of your medical bills and records to ensure you receive fair compensation.

Are Uber Drivers Independent Contractors?

Yes, Uber drivers are independent contractors rather than employees. This means they are not entitled to employee benefits such as minimum wage, health insurance, or paid time off. Additionally, this classification protects Uber from liability in car accidents as the Uber drivers aren’t their employees.

What Should You Do if Involved in an Uber Accident and Suffered Injuries?

If you’ve suffered injuries in an accident with an Uber driver, seek immediate medical attention. Document the incident, gather necessary information, and contact the police to create a police report. Additionally, report the accident to Uber and consult an attorney to understand your legal options.

What Happens if Another Driver Causes Your Uber Car Accident?

If another driver causes an Uber accident, Uber still provides compensation for injuries and damages. Uber’s uninsured/underinsured motorist coverage of up to $1 million covers your losses when the at-fault driver lacks sufficient insurance.

Is Uber’s Insurance Company Held Responsible for Uber Accidents?

Yes, like other rideshare companies, Uber is held responsible for accidents caused by their negligent drivers. Uber provides insurance to cover accident-related damages. This means you will be compensated even if the other driver is at fault.


Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers
Kyle Newman Founder and Senior Trial Lawyer at Uptown Injury Law New York's Best Personal Injury Medical Malpractice and Accident Law firm New York's Top Trial Lawyers

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