The insurance policy limits of an Uber driver will differ according to whether they are offline or in periods 1, 2, or 3.
If the Uber driver was completely offline and was not logged into the Uber app at the time of the accident, then their personal auto insurance has to be used to cover any accident.
They will be considered in period 1 if they have logged into the Uber app but haven’t accepted any ride at the time of the accident.
When the Uber driver falls into period 1, the insurance policy coverage limits will be as follows:
- $50,000 of bodily liability per person injured in the Uber accident
- $100,000 of bodily injury coverage in an accident
- $30,000 of property damage coverage in an accident
Uber also offers a sum of $200,000 as additional liability insurance for the period-1 drivers.
After the Uber driver accepts the trip, they will be considered in Period 2.
When the Uber driver picks up a passenger, they will be in period 3.
In both periods 2 and 3, Uber offers the drivers:
- $1 million commercial auto insurance
- $1 million underinsured/uninsured motorist coverage
These amounts seem to be generous but Uber had denied liability several times and has attempted to shortchange accident victims. Hence it is important to contact an accident attorney at Culver City Legal right away.