You should always report the accident directly to Uber. Uber requires drivers to file an accident report, but you want to ensure this happens. Whether you file an insurance claim with Uber’s carrier depends on the situation. If the driver did not have passengers, he might not be covered under Uber’s insurance. However, you have no way of knowing whether the driver is logged in to the app, so it’s best to file a claim. You can start the process and let your attorney take over the claim to protect you from tricky insurance company tactics.
Uber provides coverage to their drivers when they are logged in to the app, but amounts vary based on whether they have a rider. Uber provides 50/100/25 coverage for bodily injury and property damage when drivers are logged in to the app and waiting for a ride. When Uber drivers have passengers, the company provides $1,000,000 of liability coverage.