Understanding Uber's liability insurance policies

Rideshare services are a fairly new phenomenon in Shelby. The introduction of ridesharing to a market also brings with it the onset of ridesharing liability issues. Uber and Lyft drivers often have the same driving tendencies as other motorists (one might even argue that they pose a greater threat than most commercial vehicle operators, given that they do not have to undergo rigorous training before getting behind the wheel). 

As the most prominent ridesharing service in operation, Uber is often looked to as the standard bearer for the industry. It has adopted a liability policy to cover its drivers while operating under its name. Per Uber's website, it's drivers are covered under its insurance policy when they have the app on and are waiting for a request. This coverage extends to third party liability and sets limits at $50,000 per person/$100,000 per accident in bodily damage coverage, and $25,000 in property damage. 

When Uber drivers are on their way to pick up a fare (and during the course of delivering passengers), Uber's third party liability coverage extends to $1 million per accident. It also offers up to $1 million in uninsured/underinsured bodily injury coverage, as well as contingent collision and comprehensive coverage. Those drivers who work for commercial transportation services that partner with Uber are covered under the policies of those individual companies. 

Accident statistics for ridesharing services are limited since the industry is still in its infancy. The New York Daily News, however, reports that the state's Taxi and Limousine Commission has found rideshare drivers to be involved in more fatal crashes than traditional cabbies in that area. This may serve to emphasize the need for motorists to be aware of the rideshare industry's liability policies should they involved in a collision with one of its drivers. 

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