Insurance Policy Requirements for Uber Drivers in Sandy Springs

Rideshare services like Uber are extremely popular in Sandy Springs. Complex liability disputes often arise after rideshare vehicle crashes. An experienced Uber accident attorney could represent you to ensure liability is accurately determined and compensation awarded.

You may be able to recover benefits from the at-fault driver’s insurance policy if an Uber driver was responsible for your crash. A knowledgeable attorney could advise you of the various insurance policy requirements for Uber drivers in Sandy Springs and help you pursue the financial payments you need to recover.

How Insurance Coverage Works in Sandy Springs Rideshare Accidents

Discerning how to recover insurance benefits after a rideshare accident in Sandy Springs can be challenging. Insurance coverages vary depending on the Uber driver’s actions during the crash.

Not Signed Into the Uber App

When the driver was in the vehicle they use for work, but there was no passenger in the vehicle, and the driver was not signed into the Uber app, Uber does not cover costs; the driver’s insurance company is responsible.

Waiting for a Request

When the driver was logged into the app and waiting for a ride request without passengers, Uber offers limited coverage if the driver’s policy does not apply or cover costs. Generally, Uber provides the following coverages:

  • $50,000 in bodily injury per person
  • $100,000 in bodily injury per accident
  • $50,000 in property damage per accident

With a Passenger or En Route to Pick Up a Passenger

If the driver had or was picking up a passenger in their car, Uber provides up to $1 million in liability insurance and $1 million in uninsured/underinsured coverage. Coverage works as follows:

Third-Party Liability Coverage

Covers medical costs for injuries to passengers and occupants of other vehicles; property damage costs in a collision caused by an at-fault Uber driver is also covered.

Uninsured/Underinsured Coverage

Covers medical expenses and property damage in an accident caused by a hit-and-run driver or by a driver who had insufficient insurance coverage to cover the cost of the accident.

Our seasoned legal team understands the insurance requirements for rideshare drivers in Sandy Springs and could provide further details about coverage for your specific case.

Types of Insurance Coverage Requirements for Sandy Springs Uber Drivers

Uber requires drivers to carry liability insurance under Georgia’s minimum financial responsibility limits. At a minimum, Uber drivers must have the following coverage:

  • Property damage liability of $25,000 per accident
  • Bodily injury liability of $25,000 per person and $50,000 per accident
  • Uninsured/underinsured motorist bodily injury coverage of $25,000 and $50,000, and uninsured property damage of $25,000

Rideshare Insurance

Georgia does not require Uber drivers to have separate rideshare insurance, but some Uber drivers choose to carry it. Rideshare insurance covers the gaps in coverage and can also help cover the cost of the high deductibles under Uber’s insurance policies.

PIP Insurance

Personal Injury Protection (PIP) insurance covers drivers’ and passengers’ injuries regardless of fault.

Underinsured/Uninsured Insurance

Many rideshare drivers carry additional coverage, which can help cover high costs.

UberBlack, UberBlack SUV, and UberLux drivers must carry commercial insurance with higher minimum coverages. Our seasoned attorneys at The Hammers Firm could analyze various insurance policies to ensure you get the fair payments you need to fully recover from your accident.

Call a Sandy Springs Attorney About Insurance Policy Requirements for Uber Drivers

Discerning legal responsibility for your losses is imperative to receiving compensation when you are injured in a ridesharing car collision. In some situations, in addition to seeking damages from the Uber driver, you may turn to Uber as a company.

One of our skilled local attorneys at The Hammers Firm could explain how insurance policy requirements for Uber drivers in Sandy Springs might apply to your situation. Call today to find out more.