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Uber accidents and when your injuries outweigh the car policy

New York State is a no-fault insurance state. This means that if you drive or own a vehicle in New York State, then you are required to have at least $50,000 in personal injury protection (PIP) insurance. This insurance is designed to pay for any reasonable medical expenses you might incur from your injuries along with subsidizing lost earnings and other related financial losses regardless of who is at fault in the accident. Uber has its own liability insurance that is intended to compensate for injuries that their drivers caused. Compared to other conventional ride-sharing services, such as yellow taxis and limousines who offer less insurance coverage for passengers, Uber is typically more generous with how much compensation its insurance plan will offer for its riders injured in accidents. According to Uber’s insurance policy, Uber drivers must have a minimum of $25,000 of insurance coverage in addition to the coverage that Uber is required to carry which is $1.25 million. Because of this, Uber passengers usually do not have to worry about how much compensation they can receive from Uber for their injuries if their Uber driver is involved in an accident, but this does not mean that Uber passengers are always protected. In New York, if your injuries outweigh Uber’s insurance policy, then unfortunately you are usually out of luck and would be unable to pursue additional compensation that exceeds the policy limit. However, another option is for you is to submit a claim to your own uninsured/underinsured motorist policy, if you have one, to obtain compensation for your injuries that Uber’s insurance policy does not cover. If you or a loved one were injured in an Uber accident and want to learn more about your legal options, then the experienced personal injury attorneys at the Licatesi Law Group LLP are here to help. Call 516-227-2662 or email [email protected] to schedule a free consultation.

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Over One Billion in Verdicts, Settlements and Awards for Our Clients

  • $8 Million

    Plaintiff sustained a series of fractures and other injuries to the right shin, heel and foot, requiring nailing of the right tibia with two proximal and two distal locking bolts, ultimately resulting in below-the-knee amputation

  • $3 Million

    Infant plaintiff sustained encephalopathy as result of DPT vaccination administered by NYC Health and Hospitals Corporation.

  • $1.7 Million

    Plaintiff was involved in a car accident resulting in multiple disc herniations requiring percutaneous fluoroscopic-guided epidural treatment and lumbar fusion laminectomy.

  • $1.3 Million

    47 year old male police officer injured as a result of surgical malpractice by an orthopedic surgeon resulting in an inability to work and permanent impairment of gait.

  • $2 Million Dollar

    Wrongful death case settled at the Appellate level, 44-year-old husband and father drowned while swimming in a municipal pool.

  • $899,940.10

    69 year old female with underlying osteoporosis and preexisting spinal degeneration awarded as a result of a motor vehicle accident causing an acute T12 fracture of her spine.

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