Finding someone to pay for injuries sustained in a Uber accident can be a difficult task. Even though Uber does carry liability insurance, it is considered secondary insurance. This means that Uber wants the driver's insurance company to pay first before they agree to pay anything. Unfortunately, most personal auto insurance companies will deny claims for commercial activities. To have a successful personal injury lawsuit, you must prove that someone acted negligently. If the Uber driver has personal insurance on their vehicle, even if the accident was clearly their fault, it may be difficulty to recover compensation because personal insurance may not cover the driver if he is taking part in commercial activities such as ferrying passengers with Uber.
Uber has a $1 million insurance policy for its drivers, passengers, and third-parties that may get injured in an accident involving an Uber vehicle. However, it is common for Uber to deny injured victim's claims. Therefore, to bring a lawsuit against Uber and receive compensation for your pain and suffering, it is important that you work with an experienced car accident lawyer in Chicago who can guide you through the entire process and help you get the compensation you deserve.
In the event that the Uber driver carelessly caused an accident while they were between transporting passengers but were available to do so, Uber is not required to offer as much money and will likely try to downplay the accident. The driver may follow suit since their own personal insurance will be involved.