Uber Carries a $1 Million Liability Policy.
Here's What That Means For You.
Uber's coverage depends on what the driver was doing when the accident happened.
Driver logged in, waiting for a request. Limited contingent liability applies.
Driver accepted a trip and is en route. Full $1M policy active.
You're in the car. Full $1M liability plus uninsured/underinsured motorist coverage.
Every Type of Uber Accident Victim
Passengers in Uber Vehicles
Riding in an Uber when an accident occurred? You're covered under the $1M policy regardless of fault.
Pedestrians & Cyclists
Hit by an Uber driver while walking or cycling? If they were on a trip or en route, Uber's $1M covers you.
Other Drivers Hit by Uber
An Uber driver hit your car? Full $1M applies if they were carrying a passenger or en route to pickup.
Uber Drivers Injured On the Job
Uber calls drivers independent contractors — but you may still have claims against the at-fault driver and Uber itself.
Uber's Insurance Company
Is Already Working Against You.
Don't give a recorded statement. Don't accept a quick settlement. Call Cuz first.
📞 (212) 300-3191 — Call NowFree consultation · No fee unless we win · Available 24/7
Uber Accident FAQ
What should I do immediately after an Uber accident?
Call 911. Get the police report number. Take photos. Screenshot your Uber app showing the trip details. Call us before speaking to any insurer.
Can I sue Uber directly?
In most cases the claim is against Uber's insurance carrier. However Uber itself may have direct liability around driver vetting and safety failures. We evaluate all theories.
How long do I have to file?
3 years for personal injury under CPLR § 214. Don't wait — evidence disappears. Call us now.
What if the Uber driver wasn't at fault?
Uber's $1M covers you regardless of who caused the accident, as long as the driver was on a trip. We pursue all available defendants.