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Última modificación el 23 de octubre de 2026
If you drive for Uber and another car hit you, the at-fault driver’s insurance usually pays first, not Uber’s policy. An experienced rideshare accident attorney en Bentley & More LLP can sort out the layers of coverage so you are not left guessing while bills pile up.
Puntos clave
- The at-fault driver’s personal liability insurance is usually the first source of payment.
- Most Uber drivers in California cannot file a standard workers’ comp claim because of their independent contractor status.
A free consultation can help you figure out which path applies to your crash.
Who Pays First If Another Driver Hits You While You’re Driving for Uber
California follows a fault-based system, so the driver who caused the crash is responsible for your damages no matter what your app status was. Their liability insurance is the first place a claim goes.
The trouble starts when that driver has no insurance, or not enough, to cover a serious injury. Uber’s coverage can step in as backup, but only for certain periods of your shift. When insurance limits fall short, speaking with a abogado especializado en accidentes de tráfico can clarify your rights under underinsured motorist policies.
Why Workers’ Comp Usually Isn’t an Option for Rideshare Drivers
Uber drivers in California are independent contractors, which generally keeps them out of standard workers’ compensation. Prop 22 exempts app-based drivers from California workers’ comp laws.The California Supreme Court upheld that framework in Castellanos v. State, 16 Cal. 5th 1 (2024). Prop 22 does require Uber to carry occupational accident insurance for injuries while you are online.
What to Do in the Hours and Weeks After the Crash
A few steps protect your claim early:
- Screenshot your driver app showing your status at the time of the crash.
- Get the other driver’s insurance information and a police report.
- Seek medical care right away, even for injuries that feel minor.
Your own insurer may try to deny the claim by pointing to a livery or rideshare exclusion. That denial does not end your options. It just means the right coverage layer still has to be identified and documented.
Preguntas frecuentes
Does my own car insurance cover me if I’m hit while driving for Uber?
Typically, the at-fault driver’s insurance covers you if you are hurt. If you need to use underinsured motorist coverage, then it may depend on your app status at the time of the crash. Many standard personal auto policies in California exclude coverage once you are logged into a rideshare app, which is why Uber’s layered coverage exists.
What if the other driver has no insurance at all?
Uber’s uninsured motorist coverage can fill the gap, but only once a passenger is in the car. The amount is capped at $60,000 per person and $300,000 per incident under current California law. If you had not picked up a passenger yet, your own uninsured motorist coverage may be the better option.
¿Cuánto tiempo tengo para presentar una reclamación en California?
La mayoría demandas por daños personales must be filed within two years of the crash under Código de Procedimiento Civil de California, § 335.1. Start gathering your app and medical records as soon as you can because evidence may be lost before the statute of limitations expires.
Bentley & More LLP: A Personal Injury Law Firm
Getting hit by another driver during a rideshare shift leaves you juggling medical needs, Uber’s shifting coverage periods, and an at-fault driver’s insurer that may drag its feet. Sorting out which policy applies often comes down to small details, like app timestamps and trip logs, that are easy to lose if nobody tracks them from day one.
Póngase en contacto con nuestro bufete hoy mismo to go over what happened and find out which coverage applies to your situation.
Acerca del autor: Greg Bentley
Cofundador y abogado litigante en Bentley & More LLP
Greg Bentley es cofundador de Bentley & More LLP en Newport Beach, California. Con 36 años de experiencia, representa a demandantes en casos de lesiones personales, muerte por negligencia, responsabilidad por productos defectuosos, mala fe de las aseguradoras, condiciones peligrosas en carreteras y propiedades, y defectos en obras de construcción. Habilitado para ejercer en el Colegio de Abogados de California, Greg obtuvo su título de Doctor en Derecho en la Facultad de Derecho de la Western State University en 1990. Es miembro de varias organizaciones de abogados litigantes a las que solo se puede ingresar por invitación, entre ellas el Colegio Americano de Abogados Litigantes y la Academia Internacional de Abogados Litigantes, y participa activamente en múltiples asociaciones de abogados litigantes a nivel estatal y regional.
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