How Much Car Accident Insurance Does Uber Provide in Florida for Personal Injuries?

The reality is that most vehicles in Florida do not carry bodily injury insurance coverage.  This is because bodily injury coverage is not mandatory in Florida, and people generally prefer not to pay for insurance they are not required to pay for. However, Uber vehicles carry both bodily injury and uninsured motorist coverage while the Uber application is turned on. This is great news for Uber drivers, Uber customers/passengers, and any person who was injured in an accident caused by an Uber vehicle. However, the amount of coverage provided depends on the status of the Uber vehicle.  This is because Uber’s insurer in Florida, Progressive, provides different levels of insurance coverage depending on which period of the ride cycle the vehicle is in.   There are four different periods:

UBER Period 0 (Offline or the Driver App is Off)

Uber vehicle is in period 0 when the Uber driver is completely offline and not engaged in any activities for Uber.  Uber and its insurance carrier (Progressive) are off the hook for any accidents that occur during this time.  If you are struck by an Uber vehicle while it is in period 0 (offline), the Uber vehicle owner and/or driver’s personal insurance policy applies.  This is generally a bad thing as most personal automobile insurance policies in Florida do not carry bodily injury coverage as it is not legally required and is more expensive.  This means that there is lesser chance of making any sort of financial recovery for your personal injuries. As a result, these accidents are treated the same way that any other accident in Florida is handled.  It as if you were involved in an accident with a no

You will never be a passenger in an Uber vehicle during Period 1

UBER Period 1 (Available or Waiting for Ride Request)

Uber vehicle is online, but the driver has not requested a ride.  This means that the Uber driver has the Uber application turned on but has not yet decided to search for a passenger to pick up.  During this period, Uber’s insurance policy is effective to a limited extent.

Insurance Coverage for Uber Driver During Period 1

If an Uber driver is involved in a car accident that was caused by another driver/vehicle, the Uber driver is eligible to collect up to $50,000.00 in uninsured motorist benefits on top of however much bodily injury coverage the at-fault vehicle/driver carries.

Example:  You are an Uber driver driving your vehicle during Period 1 and are rear-ended by another car.  It is determined that the other vehicle is fully responsible for causing the crash.  The other driver/vehicle only carries $10,000.00 in bodily injury coverage. You suffered severe injuries requiring ambulance transportation, emergency room treatment, physical therapy, and pain management including multiple cervical facet injections.  As a result, you were unable to work or drive for 6 months. In this situation, the $10,000.00 of bodily injury coverage provided by the at-fault vehicle’s insurance carrier is insufficient to cover your outstanding medical bills and compensate you for your lost wages and pain and suffering.  In this situation, Uber’s Uninsured Motorist policy will likely pay the entire $50,000.00 in uninsured motorist benefits.

Insurance Coverage for Passengers of Another Vehicle During Period 1

If you are the driver or passenger of another vehicle (including pedestrians, bicycles, motorcycle, scooters etc.) who was struck by an Uber vehicle during Period 1, you are eligible to obtain up to $50,000.00 in coverage.  Uber’s insurance policy during Period one affords combined policy limits of $100,000.00.  This means that each individual injured due to the negligence of the Uber driver during Period 1 can obtain up to $50,000.00 in benefits, but the total amount that will be paid by Uber’s insurance company is limited to $100,000.00.

Example with 2 Passengers

You are driving your vehicle with a passenger in your front seat.  An Uber vehicle driving during Period 1 rear-ends your vehicle and you and your passenger suffer injuries requiring medical treatment.  You are each eligible to obtain up to $50,000.00 in insurance benefits from Uber’s insurer.

Example with 3 Passengers

You are driving your vehicle with a passenger in your front seat and another passenger in your backseat (3 passengers total).  An Uber vehicle driving during Period 1 rear-ends your vehicle and you and your passengers suffer injuries requiring medical treatment.  You are each eligible to obtain up to $50,000.00 in insurance benefits from Uber’s insurer. However, the total amount of insurance is limited to $100,000.00.  In the event where all three of you suffered very similar injuries and underwent similar medical treatment, Uber’s insurer will need to split the total $100,000.00 policy three ways as fairly as possible while not providing more than $50,000.00 to any of the three injured individuals.

You will never be a passenger in an Uber vehicle during Period 1.  However, Uber’s insurance will provide coverage if you are struck by an Uber vehicle during Period 1.

UBER Period 2 (On the Way to Pick up Riders)

Uber driver has requested a passenger but has not picked them up yet. This means that the Uber driver has the Uber application turned on and is actively searching for a passenger to pick up or is on the way to pick up a passenger.  During this period, Uber’s insurance policy is effective to a limited extent.

Insurance coverage for Uber Driver during Period 2

If an Uber driver is involved in a car accident that was caused by another driver/vehicle, the Uber driver is eligible to collect up to $1,000,000.00 in uninsured motorist benefits on top of however much bodily injury coverage the at-fault vehicle/driver carries.

Example:  You are an Uber driver driving your vehicle during Period 2 (on the way to pick up passenger) and are rear-ended by another car.  It is determined that the other vehicle is fully responsible for causing the crash.  The other driver/vehicle only carries $10,000.00 in bodily injury coverage. You suffered severe injuries including broken bones requiring ambulance transportation, emergency room treatment, physical therapy, and multiple spine surgeries.  As a result, you were unable to work or drive for 12 months. In this situation, the $10,000.00 of bodily injury coverage provided by the at-fault vehicle’s insurance carrier is wholly insufficient to cover your outstanding medical bills and compensate you for your lost wages and pain and suffering.  In this situation, your attorney will likely seek Uber’s entire Period 2 Uninsured Motorist policy in the amount of $1,000,000.00.

Insurance Coverage for Passengers of Another Vehicle During Period 2

If you are the driver or passenger of another vehicle (including pedestrians, bicycles, motorcycle, scooters etc.) who was struck by an Uber vehicle during Period 2, you are eligible to obtain up to $1,000,000.00 in coverage.  Uber’s insurance policy during Period 2 affords combined policy limits of $1,000,000.00.  This means that the total amount that can be paid by Uber’s insurance company is limited to $1,000,000.00. However, this does not mean that Uber will not pay more money in addition to the $1,000,000.00 afforded by their insurer if the damages exceed that amount. This can occur when an Uber driver causes catastrophic life-changing injuries.

Example with 2 Passengers

You are driving your vehicle with a passenger in your front seat.  An Uber vehicle driving during Period 2 rear-ends your vehicle and you and your passenger suffer injuries requiring medical treatment.  The most that the both of you can collect from Uber’s insurer is $1,000,000.00 in total.  There is no limit on the amount that each passenger can collect so long as the combined total does not exceed $1,000,000.00.

You will never be a passenger in an Uber vehicle during Period 2.  However, Uber’s insurance will provide coverage if you are struck by an Uber vehicle during Period 2.

UBER Period 3 (a Rider Inside of Uber)

Uber driver has passenger in vehicle (you are already inside of Uber).

Insurance Coverage for Uber Driver During Period 3

Like in Period 2, ff an Uber driver is involved in a car accident that was caused by another driver/vehicle, the Uber driver is eligible to collect up to $1,000,000.00 in uninsured motorist benefits on top of however much bodily injury coverage the at-fault vehicle/driver carries.

Example

You are an Uber driver driving your vehicle during Period 3 (on the way to pick up passenger or already have a passenger in your vehicle) and are rear-ended by another car.  It is determined that the other vehicle is fully responsible for causing the crash.  The other driver/vehicle only carries $10,000.00 in bodily injury coverage. You suffered severe injuries including broken bones requiring ambulance transportation, emergency room treatment, physical therapy, and multiple spine surgeries.  As a result, you were unable to work or drive for 12 months. In this situation, the $10,000.00 of bodily injury coverage provided by the at-fault vehicle’s insurance carrier is wholly insufficient to cover your outstanding medical bills and compensate you for your lost wages and pain and suffering.  In this situation, your attorney will likely seek Uber’s entire Period 2 Uninsured Motorist policy in the amount of $1,000,000.00.

Example if Passenger is Also Injured

You are an Uber driver driving your vehicle during Period 3 with a passenger in your backseat and your vehicle is rear-ended by another car.  It is determined that the other vehicle is fully responsible for causing the crash.  The other driver/vehicle only carries $10,000.00 in bodily injury coverage. You suffered severe injuries including broken bones requiring ambulance transportation, emergency room treatment, physical therapy, and multiple spine surgeries.  As a result, you were unable to work or drive for 12 months. In this situation, the $10,000.00 in bodily injury coverage provided by the at-fault vehicle’s insurance carrier is wholly insufficient to cover your outstanding medical bills and compensate you for your lost wages and pain and suffering.  Additionally, your passenger sustained similar injuries and underwent similar medical treatment.  The most that the both of you can collect from Uber’s uninsured motorist carrier is $1,000,000.00.  There is no limit on the amount that each of you can collect so long as the combined total does not exceed $1,000,000.00.

Insurance Coverage for Passengers of Another Vehicle During Period 3

If you are the driver or passenger of another vehicle (including pedestrians, bicycles, motorcycle, scooters etc.) who was struck by an Uber vehicle during Period 3, you are eligible to obtain up to $1,000,000.00 in coverage.  Uber’s insurance policy during Period 2 affords combined policy limits of $1,000,000.00.  This means that the total amount that can be paid by Uber’s insurance company is limited to $1,000,000.00. However, this does not mean that Uber will not pay more money in addition to the $1,000,000.00 afforded by their insurer if the damages exceed that amount. This can occur when an Uber driver causes catastrophic life-changing injuries.

Example with 2 Passengers

You are driving your vehicle with a passenger in your front seat.  An Uber vehicle driving during Period 2 rear-ends your vehicle and you and your passenger suffer injuries requiring medical treatment.  The most that the both of you can collect from Uber’s insurer is $1,000,000.00 in total.  There is no limit on the amount that each passenger can collect so long as the combined total does not exceed $1,000,000.00.

How do I know which period the Uber driver was in at the time of the accident?

When handling a case against Uber, we always make sure to determine whether the vehicle was in Period 0, Period 1, Period 2, or Period 3. It is easy to determine that an Uber is in Period 3 as there is almost always a passenger in the backseat.  Additionally, the police crash report should list the names of the Uber’s passengers.

However, it becomes tricky when there are no passengers in the vehicle. At this point, Uber’s insurer communicates with Uber to verify which part of the ride cycle the Uber vehicle was in at the time of the crash.  This can be found by cross-referencing the time of the collision with the data on the Uber driver and passenger’s application. Uber’s insurer is very good about providing the correct period and affording the corresponding insurance policy.  However, there are times when a mistake is made and the only way to seek out the truth is in court through the discovery process.

Skilled Attorney Suing Uber in Florida

We understand how frustrating and intimidating the whole process may seem. If you’ve been injured in an accident involving an Uber vehicle or if you’re an attorney with a difficult Uber accident case that needs the help of an expert attorney in Florida, we encourage you to call and see how we can help. Talk to an Uber accident attorney about your options for receiving compensation after an Uber accident.  We dedicate ourselves to defending your rights and fighting aggressively to get you the compensation you need. To learn more about our services and how we can assist you, call The Law Offices of Prosper Shaked today at (305) 850-6053.

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