My Uber Driver Hit Another Vehicle, Now What?

If your Uber driver hit another vehicle, you may have a claim against the driver or Uber’s insurance, depending on app usage. South Carolina’s negligence laws apply, but rideshare accidents are subject to additional insurance rules.

At The Law Office of Brad C. Richardson, LLC, our car accident lawyers in Myrtle Beach can assess what happened and help you identify which coverage applies to your claim.

Who is Responsible for an Uber Accident?

Responsibility in an Uber crash depends on fault. In South Carolina, a driver who operates a vehicle unsafely can be liable. You may recover damages if you are less than 51% at fault. As a passenger, you are rarely at fault. Liability can fall on the Uber driver, another driver, or both.

Does Uber’s Insurance Cover Your Accident in Myrtle Beach?

Uber provides insurance depending on what the driver is doing in the app. Coverage has three periods:

• Driver not using the app: Only the driver’s personal insurance applies.
• Driver logged in, but no ride accepted: Limited liability coverage applies through Uber.
• Passenger in the vehicle or the driver has accepted a request: Uber provides up to $1 million in liability coverage.

If you were a passenger in the Uber at the time of the collision, the highest level of coverage may apply to your injury claim.

What If Another Driver Caused the Uber Crash?

If another driver caused the accident, their insurance is typically your primary source of recovery. However, Uber’s policy may still apply in certain situations, such as when the at-fault driver has no insurance or insufficient coverage. In those cases, uninsured/underinsured motorist coverage may become relevant.

This coverage can help pay for your medical expenses, lost earnings, and other damages when the at-fault driver can’t fully cover your losses. It may apply under Uber’s policy during an active ride or under your own auto insurance policy, depending on the circumstances and available coverage.

How Do Injury Claims Work After an Uber Accident?

In South Carolina, injury claims are based on negligence. To get compensation, you must prove:

• The driver owed you a duty
• That duty was violated
• The violation caused your injuries

Rideshare cases are complex because several insurers may be involved, each trying to limit its payments.

What Our Myrtle Beach Car Accident Lawyers Can Do After an Uber Accident

Our car accident attorneys in Myrtle Beach can determine which insurance policy applies and ensure your claim is handled under the appropriate coverage. That includes reviewing app data, accident reports, and insurance terms. They can also gather evidence of your injuries and handle insurers who may try to minimize or deny your claim. Negotiating in this environment can be difficult without legal guidance, especially when insurers challenge coverage, question your injuries, or attempt to reduce the value of your claim.

Let Our Car Accident Attorneys in Myrtle Beach Deal with Your Uber Accident

If you were injured as a passenger in an Uber accident, our legal team at The Law Office of Brad C. Richardson, LLC, can help. Message us or call 843-488-4321 to request your confidential case evaluation.