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What Uber's policy pays depends on which phase the trip was in when the crash happened.
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Establishing the phase is a factual question answered by the company's trip data, and that data has to be requested properly and early. Passengers are in the strongest position of all — a passenger is virtually never at fault and can claim against the rideshare policy, the other driver, or both.
Yellow medallion taxis in New York City carry their own coverage and are regulated by the TLC; livery and black-car services often operate through the Black Car Fund. Which regime applies changes both who pays and what has to be proved.
The clearest claim there is — and up to $1.25M of coverage in New York when the app is in an active trip phase.
Whether you were driving, cycling or walking, the trip phase decides which policy responds.
Drivers hurt in crashes have both their own coverage questions and a claim against the at-fault driver.
Separate insurance and separate regulators.
Black Car Fund coverage may apply to the driver.
The trip record is the proof of the phase. It has to be demanded before it ages out.
Verdicts and settlements
$7,500,000
Verdict for wrongful death, against landlord, caused by fire that spread through apartment that was without smoke detectors.
$4,400,000
Verdict for motor vehicle accident causing spinal injuries requiring surgery.
$4,000,000
For a truck driver struck in the rear by a bus sustaining a brain injury.
Prior results do not guarantee a similar outcome. Every case is different, and the result in any case depends on its own facts.
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