Is Uber Injury Protection Worth It?
Uber Injury Protection may be worth it if you are a full-time driver or someone with dependents at home. However, before you opt into this coverage, you must understand what you’re getting and what Uber is offering you if you get into an accident while driving.
Whether or not Uber Injury Protection is worth it to you depends on your individual circumstances, including how often you drive for Uber and your existing insurance coverage.
What is Uber Injury Protection?
Uber Injury Protection is an optional insurance program that Uber offers its drivers and delivery people in the United States. It provides financial benefits in the event of an accident, including:
- Medical expenses: Up to $1,000,000 with no deductible or copay.
- Disability payments: Up to $500 weekly in income replacements for lost earnings.
- Survivors benefits: Offering peace of mind for your family’s financial security.
Uber Injury Protection is available to drivers and delivery people who are enrolled in Uber’s driver program and meet certain eligibility requirements. Coverage starts as soon as you are online and ends when you go offline.
Uber Injury Protection is not required by law, but it can be a valuable safety net for drivers and delivery people. It is especially affordable for drivers who drive full-time or have dependents.
Is Uber Injury Protection Right For Me?
To determine if Uber Injury Protection is right for you, consider the following factors:
- Your existing insurance coverage: If you have a comprehensive rideshare insurance policy, you may already have similar coverage to Uber Injury Protection. However, Uber Injury Protection may be more affordable or offer additional benefits. Examine your current policy carefully before opting for Uber Injury Protection.
- Frequency of driving: If you drive for Uber full-time, you are at a higher risk of being involved in an accident than someone who only drives occasionally. Therefore, Uber Injury Protection may be a good investment for full-time drivers. However, even if you only drive part-time, you’re still at risk of getting into an Uber accident.
- Financial situation: If you have a family or other dependents, Uber Injury Protection can help protect their financial security in the event of your death or disability.
What Are the Issues with Uber Injury Protection?
Uber Injury Protection has several issues. One issue is that Uber Injury Protection does not cover all types of accidents. For example, it does not cover accidents that occur while you are driving for another company or while you are using your vehicle for personal use. Additionally, there is a waiting period of 30 days before coverage begins.
Some drivers and delivery people have difficulty filing claims with Uber Injury Protection. The claims process can be complex and time-consuming, and some claims have been denied. Further, Uber does not provide much information about Uber Injury Protection, such as how claims are processed or what factors are considered when determining benefits. This can make it difficult for drivers and delivery people to understand their coverage and what to expect if they need to file a claim.
Here are some specific examples of issues drivers and delivery people might have when trying to file a claim with Uber:
- Uber may deny coverage for accidents while drivers are waiting for a ride request.
- Drivers may have difficulty getting reimbursed for medical expenses.
- Uber may deny claims if drivers cannot provide specific documentation of their accident.
Overall, Uber Injury Protection is a good choice for obtaining additional benefits. However, it is also a complex and often confusing insurance program. It is important for drivers and delivery people to carefully understand the coverage limitations and the claims process before enrolling. Additionally, drivers and delivery people should consider purchasing additional car insurance coverage to protect themselves from accidents not covered by Uber Injury Protection.
Contact Our San Bernardino Uber & Lyft Accident Lawyers
If you or someone you love suffered an injury in an Uber accident, you need a law firm to look out for your best interests from the start. The uber and lyft accident attorneys at William D. Shapiro Law, Inc. know that Uber is a giant corporation that doesn’t always offer accident victims or injured drivers what they need or deserve. Their main goal is their own bottom line. That’s why you need someone to fight aggressively for you and your future.
Our lawyers want to meet with you for a free initial consultation and review. We can answer your questions and give you legal guidance during this meeting. Call (909) 890-1000 or complete our confidential contact form today.
William Shapiro has handled catastrophic injury/wrongful death actions for over 4 decades obtaining numerous seven and eight-figure verdicts and settlements. Honors include: 2022, 2016 and 2013 OCTLA “Top Gun” TLY; 2022 CAOC TLY Finalist; 2018 “Lifetime Achievement Award” Western State College of Law, 2021 & 2017 Best Lawyers, Lawyer of the Year; 2016 WSBCBA “TLY”; 2015 CAL-ABOTA “TLY”; 2014 “TLY” Consumer Attorneys of CAOIE; 2011 “Hall of Fame,” Western State College of Law; Fellow, American College of Trial Lawyers; International Academy of Trial Lawyers; International Society of Barristers; Diplomat, American Board of Trial Advocates (ABOTA); National Board of Trial Advocacy; specialist in Trial Advocacy, State Bar of California; “Best Lawyers in America” and “Tier 1 Best Law Firms” U.S. News; AV Preeminent, Martindale-Hubbell; SuperLawyers; Past President of: San Bernardino/Riverside chapter ABOTA; San Bernardino County Bar Association; Consumer Attorneys of Inland Empire; The Joseph. B. Campbell American Inn of Court; Consumer Attorneys of California; IE ; National Sec of ABOTA, Adjunct professor, Western State College of Law. Learn more here.