The insurance policy requirements for Uber drivers in Aurora are surprisingly straightforward. To legally drive in Illinois, individuals must maintain minimum liability insurance on their vehicle. Uber drivers have an additional layer of protection through Uber, which pays for commercial auto insurance while the driver has a passenger.
If you were hurt in an auto accident with an Uber driver, the compassionate Uber/Lyft/Rideshare attorneys at the Law Offices of R.F. Wittmeyer, Ltd. could help. While ridesharing is relatively new to the world of insurance and auto accidents, we have helped many clients get the compensation they deserve for injuries sustained in Uber wrecks. We understand how private and commercial auto insurance works, as some of our staff have experience working in the insurance industry. Our lawyers are well-prepared to fight on your behalf.
Auto Insurance Policy Requirements for Uber Drivers Explained
At a minimum, Illinois drivers, including rideshare drivers, must carry liability insurance that covers:
- $25,000 for bodily injury to one person
- $50,000 for injuries to multiple people
- $20,000 coverage for property damage
Furthermore, all liability insurance policies must provide coverage for bodily injuries caused by uninsured or underinsured drivers.
Some Uber Drivers Buy More Liability Insurance
Uber drivers who spend a lot of time on the road may choose to buy more liability insurance. Because medical and repair costs have skyrocketed in recent years, $25,000 may not be enough to pay for a person’s injuries, $50,000 might not be enough to pay for an entire family’s injuries, and $20,000 may not be enough to repair or replace a vehicle if the Uber driver is found at fault in an accident. Therefore, it is wise for Aurora Uber drivers to carry additional liability insurance, although not required.
Uber Has Insurance, Too
Uber also pays for commercial auto insurance. However, it only applies when an Uber driver has a customer in their car and does not pay for an accident caused during the driver’s personal time.
Uber Insurance Settlement Offers
If you were hurt in a car accident involving an Uber driver in Aurora, reach out to a skilled lawyer who can communicate with insurance companies on your behalf. Insurance topics can be nuanced, and Uber’s commercial insurer will likely approach you immediately with a settlement offer that represents only a small fraction of the value of a lawsuit. Remember, insurers are in business to make money, and they hope you accept their offers rather than pursue the full value of your losses.
Call an Aurora Lawyer to Learn More About Insurance Policy Requirements for Uber Drivers
Insurance policy requirements for Uber drivers in Aurora exist to protect passengers, other drivers, and pedestrians on the road. If you were hurt in a car accident involving an Uber or other rideshare driver, call the Law Offices of R.F. Wittmeyer, Ltd. now.
Our compassionate attorneys have dealt with these cases before and will work vigorously to pursue the funds you deserve for your injuries. Schedule your complimentary consultation today.