Determining responsibility in an accident depends on who is at fault, and which parties have policies in place to cover such situations. If the accident is caused by a third party and not your ride-hailing driver, any bodily injury liability will be assigned to the third party’s insurance policy.
If the Uber driver is at fault, Uber maintains a $1,000,000 liability coverage on behalf of each driver which should cover any of your expenses up to the limit.
If the driver that hit your rideshare vehicle has insurance coverage but your injuries are beyond their policy limits, you may be covered by an uninsured and underinsured motorist (UI/UIM) bodily injury policy maintained by the rideshare company. These policies are intended to help cover your remaining medical bills or any other expenses related to your injury (up to a certain predefined amount).
Additionally, if you maintain UI/UM coverage on your primary auto insurance policy, that can cover any fees not covered by the previous policies.
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