Despite having been available in areas like Manassas since 2010, many local residents are still unfamiliar with the concept of ride-sharing. Those just becoming acquainted with companies like Uber will likely first want to know how safe they are before committing to using them. Unfortunately, ride-sharing accident statistics are still difficult to find. This is due to the both the practice being fairly new, as well as the fact that no official method exists for documenting ride-sharing accidents. Per information shared by The Chicago Tribune, law enforcement authorities may not even think to document whether a vehicle involved in a collision was driven by an Uber driver since such drivers use their own personal cars.
Many may be willing to overlook the lack of safety data to use ride-sharing services provided that they know insurance coverage is available should they be in an accident. Uber maintains coverage for their drivers in certain scenarios, such as when they have the app on, or when they are driving to a location to pick up a fare. That coverage also extends to when they are transporting passengers. According to Uber’s website, the company offers $1 million in third party liability insurance that will help cover a passenger’s medical expenses when he or she is involved in an accident in which the Uber driver is at fault. If the driver that struck an Uber vehicle is at fault yet does not have auto insurance, Uber also offers $1 million in uninsured/underinsured motorist coverage to assist passengers.
In many cities, Uber partners with commercial transportation carriers. These carriers will typically have their own individual insurance plans to cover their drivers. If the insurance provided by Uber is not enough to cover a passenger’s expenses, he or she may file a claim with the Uber driver’s own insurance policy.