Uber Accidents
Uber Accident Lawyer NYC: Who Pays When You're Injured as a Passenger?
Jonathan Fuzailov, Esq.
July 14, 2026 · 5 min read
Uber's $1.25 million policy applies in some situations but not others. Which insurance covers you depends on what the driver was doing at the moment of the crash.
The three insurance periods
When the app is off, only the driver's personal policy applies. When the app is on but no ride is accepted, Uber provides limited contingent coverage. From the moment a ride is accepted through drop-off, Uber's commercial policy — up to $1.25 million in New York — is in effect.
If you were the passenger
Passengers are almost never at fault, which means you typically have a claim against whoever caused the crash — the Uber driver, another motorist, or both. Uber's policy covers you during the trip regardless of which driver was responsible.
If another car hit your Uber
You may have claims against both the other driver's insurer and Uber's policy. When the at-fault driver is uninsured or carries low limits, Uber's uninsured/underinsured coverage can fill the gap.
What to do right away
Screenshot your trip in the app (it proves the ride was active), get the police report, seek medical care within 24 hours, and file your no-fault application within 30 days. Do not give a recorded statement to any insurer before speaking with a lawyer.
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