Uber Safety Message

“Safety and confidence behind the wheel
Our commitment to drivers
Uber is dedicated to keeping you safe on the road. Our technology enables us to focus on the safety of drivers like you before, during, and after every trip.”

Uber Safety Program

Uber safety and insurance program coverage is comprehensive for drivers and passengers.
Uber comprehensive coverage would cover all accidents of any party while the driver is in service; it is likely the driver will receive personal injury protection (PIP).

Driver Injury Protection

Uber driver “Injury Protection Coverage” for injuries covered while:

• Driver is online, including driver’s availability for trip requests
• En route to pick up a passenger/delivery
• On a trip using Uber App

No anonymous pickups

Uber safety program ensures driver’s knowledge of passenger name and phone number before accepting a ride request in many places of the world, anonymity is limited to locations where local authorities dictated Uber to anonymize such information.

Program Coverage

The moment a driver accepts ride call; insurance coverage will start throughout the whole trip using in-App navigation provided by Uber App. Uber claims GPS data is logged for every trip, the driver must be responsible to show good behavior and attitude.
The insurance program is vague in providing injury coverage resulted from driver dependency on Uber App guiding instructions while driving, focusing on the street is local police mandate to avoid accidents which leads to conflict between Uber mandates on drivers to follow in-App instructions.

Uber Insurance Program gaps

Beyond all of the insurance benefits coverage provided by Uber safety and insurance program, they are making sure that they are not responsible for anything.

Uber U.S. Terms of Use published on their websites under “Disclaimers; Limitation of Liability; Indemnity” section mentioned “UBER SHALL NOT BE LIABLE FOR ANY DAMAGES” including injury.

Uber has covered itself very well against drivers and passengers’ claims. However, in some areas like Tampa, FL, you need to hire personal injury attorney Tampa to get all the benefits of Uber insurance program and more regardless of your position as driver or passenger, along with other compensations that is under Uber liability.
The bad side of the coin now is coming from insurance partners not from Uber, Insurance companies invest in gaps and mistakes to reject claims or reduce compensation, hiring professional personal injury attorney is necessary to do to ensure maximum coverage of Uber insurance program.
One of the most important gaps that insurance companies invest on is negligence; a driver negligence to start the trip could put the passenger in risk of losing insurance coverage. As per Uber instructions to inform them via the correct pickup location and destination address to correct the information of the trip. Their review process could expose the passenger.

What to do if you were in an accident?

First and most important is to take care of all parties involved, then notify police and paramedics if necessary, and then contact Uber using Uber App Fare Adjustment tap. Make sure to select the right trip and share all available information at your hand.

Author: Jawad Alalawi
Information Technology Professional specialized in Financial Payment Services, Risk Management, Information Security, and Compliance. Experienced in solutions development and implementation, and technical writer.
Banking and Technology Information Security Consultant

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