What If an Uber Driver Hits You on Your Motorcycle or Bicycle?

Motorcyclists and bicyclists in San Diego face unique risks on the road, particularly when sharing lanes with rideshare drivers who may be distracted, fatigued, or in a rush to complete their next ride request. When an Uber driver causes an accident involving a motorcycle or bicycle, determining liability and securing compensation can be challenging due to the complex insurance policies and legal factors involved.

Understanding how Uber’s insurance coverage applies, the legal rights of injured motorcyclists and bicyclists, and the steps to take after an accident is essential. Seeking legal representation ensures that victims receive the compensation they deserve for medical expenses, lost income, and other damages.

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Who is Liable When an Uber Driver Hits a Motorcyclist or Bicyclist?

Determining liability in an accident involving an Uber driver depends on several factors, including whether the driver was actively engaged in a rideshare trip at the time of the crash. Uber’s insurance coverage applies differently depending on whether the driver was logged into the app, waiting for a ride request, or actively transporting a passenger.

If an Uber driver is found at fault, liability may fall under one or more of the following:

• The Uber Driver’s Personal Insurance – If the driver was not logged into the Uber app at the time of the accident, their personal auto insurance is responsible for covering damages.
• Uber’s Insurance Policy – If the driver was logged into the app and waiting for a ride request, Uber provides limited liability coverage. If they were en route to pick up a passenger or actively transporting one, Uber’s $1 million liability policy applies.
• Third-Party Liability – If another driver contributed to the accident, they may also be held responsible.
• Comparative Negligence – California follows a comparative negligence system, meaning that liability can be shared. Even if a motorcyclist or bicyclist is partially at fault, they may still recover compensation, though it may be reduced based on their percentage of responsibility.

Our experienced attorneys can investigate the accident, gather evidence, and determine who is liable to ensure fair compensation.

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How Uber’s Insurance Covers Motorcycle and Bicycle Accidents

Uber’s insurance policies provide varying levels of coverage depending on the driver’s status at the time of the crash.

• If the Uber App Was Off: The driver’s personal insurance is responsible for covering damages.
• If the Driver Was Logged In and Waiting for a Ride Request: Uber provides liability coverage of up to $50,000 per person injured, $100,000 per accident, and $25,000 for property damage.
• If the Driver Was En Route to Pick Up a Passenger or Had a Passenger Onboard: Uber’s $1 million liability policy applies, which can cover medical expenses, lost wages, and pain and suffering.

Understanding how these coverage levels apply is crucial when filing a claim. Insurance companies may attempt to deny responsibility or offer low settlements, making legal representation essential.

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Steps to Take After Being Hit by an Uber Driver on a Motorcycle or Bicycle

Taking the right steps after an accident can protect legal rights and improve the chances of securing fair compensation. Seeking medical attention is the top priority, as injuries sustained in motorcycle and bicycle accidents are often severe. Even if symptoms are not immediately apparent, prompt medical evaluation ensures that injuries are properly diagnosed and documented.

Reporting the accident to the police creates an official record, which is valuable when filing a claim. Law enforcement officers document key details, including statements from witnesses and the Uber driver.

Gathering evidence at the scene, such as photos of vehicle damage, road conditions, and visible injuries, can strengthen a claim. Collecting the Uber driver’s contact and insurance information, as well as identifying whether they were actively working for Uber at the time, is also essential.

Avoiding direct communication with insurance adjusters before speaking with an attorney is recommended. Insurance companies may attempt to minimize claims or shift blame, making it important to have legal representation before providing statements.

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Compensation Available for Injured Motorcyclists and Bicyclists

Victims of motorcycle and bicycle accidents caused by Uber drivers may be entitled to compensation for:

• Medical expenses, including emergency care, surgeries, and rehabilitation
• Lost wages and reduced earning capacity due to injuries
• Property damage, including motorcycle or bicycle repairs or replacement
• Pain and suffering, including physical and emotional distress
• Long-term disability or diminished quality of life

Each case is unique, and the value of a claim depends on the severity of injuries, liability, and insurance coverage. A legal consultation can help determine the full scope of damages and ensure that victims receive the maximum compensation available.

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Call Phillips & Pelly Uber Accident Lawyers

Navigating the legal complexities of an Uber-related accident can be difficult, especially when dealing with multiple insurance policies, liability disputes, and potential settlement negotiations. An attorney can investigate the accident, collect crucial evidence, negotiate with insurers, and, if necessary, pursue legal action to recover damages.

Motorcycle and bicycle accidents often result in catastrophic injuries that require ongoing medical care and financial support. Legal representation ensures that victims are not pressured into accepting low settlement offers and that their rights are fully protected throughout the claims process.

Our team of experienced rideshare accident attorneys can provide guidance, advocate on behalf of the injured party, and help secure the compensation needed for a full recovery. Understanding legal rights and taking immediate action after an accident can make all the difference in achieving a successful outcome.

Call us today at (619) 547-1136 or fill out our online form for a free consultation. With our no win, no fee guarantee, there’s no risk in pursuing the help you deserve.