Uber Insurance Claims

James River Insurance Company is the claims handling company for Uber. You can Visit JamesRiverIns.com for more information. New claims must be submitted in writing by mail, email, or fax.

Before initiating a claim with Uber, however, Negretti & Associates suggests that you contact us first. This is because insurance companies can use a variety of techniques to limit payouts.

Negretti & Associates can provide you with valuable advice that may end up saving you a lot of heartache later. We can help you avoid the potential for your answers to be used against you later.

If you are in an accident with an Uber driver, the driver’s insurance and Uber’s insurance — or a combination of the two — should cover your damages.

There are varying levels of coverage provided to Uber drivers. Coverage depends upon the status of the driver at the time of the accident. Still, the driver’s personal insurance may apply. Uber may also be required to cover additional losses, depending on different factors.

If you get in an accident involving an Uber driver, contact Negretti & Associates first, and we’ll help unpack the details of your situation.

Ultimately, a claim will need to be reported to Uber if you intend to pursue a claim against them. Remember, what you say and how you say it is important!

Contact Negretti & Associates before starting an Uber insurance claim. We will prepare you for that conversation. If you end up hiring us to represent you, we will contact Uber on your behalf.

Uber discusses its insurance program in the Help section of its website. The company provides varying levels of insurance coverage at different phases of a ride.

Uber’s automotive liability coverage “starts the instant you tap ‘go’ on the Uber app to wait for a ride request.”

As the driver waits for the ride request, Uber maintains automobile liability coverage to drivers on their behalf in amounts of at least:

• $50,000 for the driver’s liability for bodily injury per person case of a covered accident.
• $100,000 per covered accident.
• $25,000 for property damage for which you are responsible for in a covered accident.

While the driver is traveling to pick up the rider, and while the passenger’s ride is in progress, Uber provides:

• Third-party liability coverage: This encompasses bodily injuries or damages caused to riders, people in other vehicles, pedestrians, or property.
• Uninsured or underinsured motorist bodily injury coverage: This insures driver and riders while a passenger trip is in progress, and another driver is at fault, but either does not have sufficient insurance coverage, or flees the scene of the accident (a “hit-and-run” accident).
• Contingent comprehensive and collision coverage: Uber writes that this will “kick in” for a driver “as long as you maintain comprehensive and collision coverage on your personal auto insurance.” Uber states it will “provide physical damage coverage for your car up to its actual cash value, regardless of who is at fault.” For the coverage to apply, the driver must pay a deductible of $1,000.

Uber also tells drivers that, “If you’re in an accident during this time, you don’t need to file a claim with your personal auto policy. You can submit a claim directly from the Uber app or by contacting support.”

If you are an Uber driver, you might have an affirmative duty to report your accident to Uber, pursuant to your agreement to drive for Uber. Yet, this doesn’t mean that you lose your rights.

It is possible that Uber will notify your insurance. With the advent of blockchain technology and smart contracts, insurance companies are investing in new, innovative ways to handle insurance claims processing. Regardless, we would not count on Uber notifying your insurance provider.

If you hire Negretti & Associates to handle your claim, we will put your insurance on notice of the claim that we have made against Uber. This is important because your insurance coverages may also apply in the event of an accident involving Uber.