Rideshare companies like Uber have become a popular alternative to traditional taxis, but as their popularity has increased, so have questions about who is liable for an accident with an Uber driver. The Pennsylvania Public Utility Commission (PUC) has put rules in place to ensure you can get the compensation you deserve after a ridesharing accident.
How does PA’s no-fault choice insurance play a role?
As a driver in Pennsylvania, you can choose a no-fault insurance policy to cover personal injuries sustained in an accident or you can opt for a more traditional fault-based policy.
When you choose a no-fault policy, your insurance will cover your injuries without filing a claim against the other driver. You can still file a lawsuit against the Uber driver, but only in very specific circumstances.
For the sake of this page, we will assume you have traditional coverage. By opting for traditional coverage, you leave the at-fault party’s insurance responsible for compensation for injuries you suffered in the accident.
What kind of insurance does Uber provide in Pennsylvania?
All ridesharing companies operating in Pennsylvania must provide primary liability coverage for drivers any time the driver is using the company’s app. This includes first party benefits that offer compensation for personal injuries regardless of fault.
In order to comply with the PUC regulations, Uber offers drivers different levels of liability insurance based on whether they are waiting for the app to match them with a rider (Period One), are driving to pick up the rider (Period Two), or have a rider in their vehicle (Period Three).
During period one, Uber provides:
- $50,000 coverage for bodily injury per person, with a maximum of $100,000 per accident
- $25,000 coverage for property damage per accident
Uber provides $1 million bodily injury and property damage coverage per accident for periods two and three.
If an Uber driver is not logged into the app, only the driver’s personal liability coverage applies.
Can I ever hold Uber responsible for a driver’s negligence?
Uber has repeatedly denied liability for drivers’ actions, since they are independent contractors and not employees. It is too early in the life of ridesharing companies to see how this holds up in court, although drivers in several states have sued claiming they are misclassified and that Uber should consider them employees.
How can Cordisco & Saile LLC help?
The car accident lawyers at Cordisco & Saile LLC help drivers in Bristol, Newtown, and Bucks County get the compensation they deserve after a Pennsylvania car accident. Filing insurance claims and ensuring you receive the money you need to pay medical bills and cover lost wages can be especially difficult after an accident with an Uber driver. Contact us today at 215-791-8911 to learn how we can help.