When You Can File A Claim After An Uber Accident
On Behalf of The Andres Lopez Law Firm , PA | October 31, 2025 | Uncategorized
Rideshare services are now a common part of everyday life, providing an easy and accessible way for people to get where they need to go. However, accidents involving Uber vehicles can leave passengers, drivers, and even third parties unsure about their legal rights and next steps. The process for filing a claim after an Uber accident depends on several factors, including who was at fault, the driver’s app status, and the type of insurance coverage in effect at the time. Attorneys like those at Nugent & Bryant can attest that knowing when and how to act after a rideshare accident is key to protecting your right to recover damages.
How Uber’s Coverage Affects When You Can File A Claim
Uber operates differently from traditional transportation companies because drivers use their personal vehicles while connected to the Uber app. The timing of when an accident occurs plays a central role in determining whether Uber’s insurance policy applies or if the driver’s own coverage is responsible.
If a driver is logged into the app but waiting for a ride request, Uber provides limited liability coverage. Once a ride is accepted and the driver is on the way to pick up a passenger or has one in the car, Uber’s higher coverage limits take effect. This distinction matters because it directly affects how and when an injured party can file a claim. Those hurt in a crash should know that coverage may shift depending on whether the driver was actively engaged in a trip.
Determining Fault In An Uber Accident
Before filing a claim, it’s necessary to establish who caused the accident. Fault can lie with the Uber driver, another motorist, or even a third party such as a pedestrian or bicyclist. Collecting evidence—like traffic camera footage, police reports, and witness statements—helps determine responsibility.
In most states, the ability to file a claim depends on proving negligence. If the Uber driver acted carelessly, such as speeding or using a phone behind the wheel, they may be held responsible for the resulting injuries. Likewise, if another driver caused the crash, Uber’s insurance may not apply, and the injured party would instead pursue compensation through that driver’s insurer.
Filing A Claim As A Passenger
Passengers have unique protections under rideshare laws. Since they are rarely at fault, passengers can generally file a claim against the responsible party’s insurance without restriction. The process often starts with a report to Uber, which then connects the passenger to its insurance partner. However, even with this process in place, identifying the right insurance coverage can still be challenging, especially when more than one driver is involved.
A qualified
Uber accident lawyer can review the details of the incident, identify which insurer should handle the claim, and help secure fair compensation for medical expenses, lost income, and property damage. This guidance can make a significant difference in how quickly and effectively a claim moves forward.
When Drivers Can File A Claim
Uber drivers can also file claims depending on their status at the time of the crash. If they were logged into the app and actively transporting a passenger or en route to one, they may be covered under Uber’s commercial policy. If they were not using the app, their personal auto insurance typically applies.
In situations where another driver was at fault, Uber drivers have the right to pursue claims against that driver’s insurance company. The key is documenting the event immediately—taking photos of the scene, noting weather conditions, and obtaining the names of any witnesses—to support the claim process later.
Time Limits For Filing An Uber Accident Claim
Like all personal injury cases, Uber accident claims are subject to a statute of limitations. This is the legal deadline for filing a claim, which varies by state. In most jurisdictions, it ranges from one to three years from the date of the accident. Missing this deadline usually means losing the right to pursue compensation.
Victims should also report the accident to Uber as soon as possible, as delays can affect both the investigation and the insurance review. Reporting quickly helps preserve important evidence and supports the credibility of the claim.
The Importance Of Acting Promptly After An Uber Accident
Filing a claim after an Uber accident requires addressing multiple layers of insurance coverage, questions of liability, and strict filing deadlines. Knowing when to file can prevent unnecessary delays and help avoid disputes with insurers. Passengers and drivers alike benefit from understanding how Uber’s policies apply depending on app status and fault determination.
While every case differs, the key factors remain the same—timing, documentation, and clarity about which party is liable. By taking appropriate steps early and seeking knowledgeable guidance, victims can better protect their rights and strengthen their claims from the start.
Our friends at Nugent & Bryant discuss how being informed about these processes helps individuals act decisively and pursue the compensation they deserve after a rideshare crash.
