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You request a ride in the French Quarter. You are heading home from dinner in the Garden District. Traffic is tight, someone runs a light, and suddenly you are dealing with injuries instead of getting home safely. Now you are asking practical questions. Who pays for this? Is it the Uber driver? The other driver? Uber itself?
Rideshare accidents in New Orleans are more complicated than typical car accidents because coverage depends on what the driver was doing at the time of the crash. At Irpino Avin & Hawkins, we help injured passengers understand how liability works and what steps protect their claim.
Why Uber Accident Liability Is Different
Unlike a traditional accident, an Uber crash involves layered insurance coverage. Liability depends on the driver’s “app status” at the time of the collision. That detail can significantly affect which insurance policy applies and how much coverage is available. The key factor is whether the driver was:
- Logged off the app
- Logged in and waiting for a ride
- On the way to pick up a passenger
- Actively transporting a passenger
Each phase triggers different insurance rules.
When the Uber Driver Is at Fault
If the Uber driver caused the crash, insurance coverage depends on whether they were actively working.
- If the driver was not logged into the app, only their personal auto policy applies.
- If the driver was logged in and waiting for a request, Uber provides limited liability coverage that supplements the driver’s policy.
- If the driver was en route to a pickup or transporting a passenger, Uber typically provides up to $1 million in third-party liability coverage. This is often the most significant source of compensation for injured passengers.
When Another Driver Causes the Accident
Sometimes the Uber driver is not responsible. If another motorist caused the crash, you may pursue a claim against that driver’s insurance.
If the at-fault driver is uninsured or underinsured, Uber’s uninsured or underinsured motorist coverage may apply while you are an active passenger. Determining which policy applies requires a close look at the facts.
What This Means for You as a Passenger
If you were riding in an Uber when the accident occurred, you are generally not considered at fault. That means you may have access to substantial insurance coverage. However, insurance companies may still attempt to shift responsibility between policies to limit payouts.
Understanding which coverage applies is one of the most important early steps in protecting your claim.
Steps to Take After an Uber Accident in New Orleans
After a rideshare accident, priorities are similar to any other crash, but documentation becomes even more important:
- Seek medical attention immediately
- Ensure a police report is filed
- Screenshot your ride details in the Uber app
- Gather driver and witness information
- Avoid giving recorded statements before understanding your options
Because multiple insurance carriers may be involved, early clarity can prevent costly mistakes.
Local Considerations in New Orleans
New Orleans traffic patterns, tourism density, and congested areas like Canal Street or the Central Business District increase the likelihood of rideshare accidents. High pedestrian traffic and frequent stops can contribute to sudden collisions.
Working with a team familiar with local roads and local claims handling practices can help move an investigation forward more efficiently.
Talk With a New Orleans Car Accident Lawyer About Your Uber Injury Claim
If you were injured while riding in an Uber in New Orleans, you may have more coverage available than you realize. The key is understanding which policy applies and how liability is evaluated.
Irpino Avin & Hawkins helps injured passengers navigate rideshare claims and pursue compensation for medical bills, lost income, and long-term impact. Reach out to start a conversation about your situation and learn what options may be available to you.
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