What happens if you’re in an accident as a Uber passenger?

PUBLISHED 18 Jan 2020

While Uber is still relatively new compared to many other major businesses, it’s certainly seen a great deal of success. The multinational rideshare company boasts over 22,000 employees, 91 million monthly active platform consumers and 3.9 million drivers, who have completed more than 10 billion trips.

Users in Australia consider Uber to be pretty great as well. According to data obtained by Business Insider from market research firm Roy Morgan, Uber topped the taxi system in 2019 as Australians’ most preferred option for private transportation. This is particularly true among young people – specifically those between 18 and 24 years old. Nearly 23% of individuals in this age group use the ridesharing platform at least once every three month span, up from 6.6% back in 2016.

Unfortunately, given that more people are taking advantage of the availability of Uber drivers, crashes are bound to occur more frequently.

What do you do if one happens to you? The answer to that depends on the nature of the accident. If it’s just a fender-bender and no one was injured, you take the same steps as you would for any other accident. This includes obtaining names, addresses and insurance information from all of the people who were involved in the crash, reporting the accident to local police as well as the relevant insurers.

Seek a comprehensive medical exam immediately
Things get a little more nuanced if you’ve been injured. First and foremost is seeking medical attention. This is not only important for your physical well-being, but also so you have the proper documentation from your doctor to corroborate how you were injured (and explain the recommended treatment protocol).

Everyone who drives for Uber is required to obtain third-party insurance, which is a form of liability protection. It will help pay for any injuries that riders like you sustain in the event of a crash. Drivers are also obligated to have third-party property damage insurance to cover any destruction the crash may have resulted in for the city, town or residents’ property. These policies are valued at $20 million. Uber also has its own contingent liability policy so medical expenses should be taken care of by either the driver’s third party insurance or Uber’s contingent coverage (or both).

Placing blame: Who pays?
The answer to this question depends on who is at fault. The police will play a role in that determination, as will insurance claim adjusters.

Car accidents can be a tricky issue to navigate – each is unique. Gerard Malouf & Partners has over 35 years of experience in car accident law and can help make you financially whole after such a catastrophic incident. Contact us to learn more.

Call us now on 1800 004 878 to book a free appointment with one of my compensation experts, or email your enquiry.