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What if my Uber gets in an accident?

The Carolina Law Group > Blog  > What if my Uber gets in an accident?

What if my Uber gets in an accident?

Nihar Patel, Attorney & Partner of the Carolina Law Group in Greenville, SC.

Nihar Patel, Attorney & Partner of the Carolina Law Group in Greenville, SC.

If you’re a passenger of an Uber and the car gets in an accident, what happens next? Can you sue Uber, or should you file a claim against your Uber driver’s insurance? Will your own auto insurance policy cover you?

Here’s what you need to know if you were injured in an accident while riding in an Uber.

Fault Matters

If Your Uber Driver is At Fault. Uber requires its drivers to carry auto insurance, and the company also provides supplemental coverage that’s active when the driver has the app on.

If your Uber driver is found to be responsible for the accident that led to your injuries, you should receive compensation first through the driver’s personal insurance policy. Once those policy limits are maxed out, then Uber’s supplemental insurance coverage kicks in. 

If Another Party is At Fault. If another driver is found to be responsible for the accident, you should first seek compensation from their insurance.

If the at-fault driver doesn’t have auto insurance, or is underinsured, then you should seek compensation from your driver and/or Uber under their policies’ uninsured and underinsured motorist coverage.

Your Auto Insurance Policy May Help, Too

Do you carry MedPay coverage on your auto insurance policy? This type of coverage – similar to PIP (Personal Injury Protection) coverage in other states – is not required in South Carolina, but it’s common.

Your MedPay coverage may pay for medical expenses if you’re injured as a passenger in another vehicle. Check your policy for the exact coverage. This can help pay medical bills while you wait for compensation through the at-fault driver’s policy, as MedPay pays out relatively quickly.

If you don’t currently carry MedPay coverage, you should consider adding it to your policy. Read more about MedPay here on our blog.

Speak with the Personal Injury Attorneys at The Carolina Law Group

Were you injured in an accident in an Uber, Lyft, or other rideshare? If so, call the personal injury lawyers at The Carolina Law Group. Knowing which party to seek compensation from can be challenging, especially if it’s unclear which party was responsible for the accident. Our experienced car accident attorneys can help you understand your options, whether that involves filing a claim against an insurance company or filing a lawsuit, and help you every step of the way. The important thing to know is that you do have options. Call one of the numbers below to set up a free, no-obligation consultation to talk about your case.

The Carolina Law Group has four offices in South Carolina for your convenience: Greenville (principal office; call 864.312.4444), Greer (principal office; call 864.757.5555), Spartanburg (principal office; call 864.312.4444) & West Columbia (principal office; call 803.881.1110).

Call us at one of our four offices or contact us online to schedule your free consultation with one of our attorneys. Our business hours are Monday – Thursday 8:30am – 5:30pm & Friday 8:30 am – 5 pm. Weekend and evening hours by appointment only. Our Greenville, SC law firm offers Spanish, Hindi, and Gujarati language translation services for your convenience.


Mr. Patel worked for the Greenville County Public Defender’s Office in 2005 after graduating from law school. While there, Mr. Patel handled thousands of cases ranging from low-level misdemeanors to high-profile murders. In March 2011, Mr. Patel and Mr. Desai formed The Carolina Law Group. Mr. Patel practices in the areas of criminal defense, family law, and personal injury. In 2011, Mr. Patel was elected as the President of the Greenville Criminal Defense Lawyers Association (GACDL).

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