Uber accident insurance coverage as it relates to Michigan’s no fault laws have been an area of scrutiny since the advent of Uber and Lyft in Michigan. Uber is required to have “[r]esidual third party automobile liability” with a minimum limit of $1,000,000 for all bodily injury or property damage during the transport of passengers. When the Uber driver is simply “logged on” to Uber without a passenger, Uber is required to have “[r]esidual third party automobile liability insurance” of $50,000/person for death or bodily injury and $100,000/incident for death or bodily injury, and $25,000.00 for property damage.
Under both circumstances, Uber is required to hold automobile insurance that covers No Fault Personal Injury Protection (PIP) and Property Protection Insurance (PPI). It is important to note that coverage exclusions are available for personal automobile insurance providers under MCL 500.3017, whereby an authorized insurer may exclude coverage for any loss or injury stemming from an Uber accident. In essence, Uber drivers are excluded from enjoying no-fault insurance benefits afforded by a personal auto policy when involved in an Uber accident. In addition, if you as a passenger are injured in an Uber vehicle, you as the Uber passenger, may only collect No Fault benefits, like wage loss benefits and medical expense reimbursements, from Uber or the Uber driver’s automobile insurer only if you have no other source of No Fault benefits.
If you or a loved one has suffered injury due to a car accident involving Uber and need the assistance of a Detroit Uber lawyer who can navigate the complexity of Detroit’s Uber Act and insurance laws, the Uber Lawyer can defend your rights and make sure you get the justice you need. At the Uber Lawyer, we focus our practice on ride-sharing accidents involving Uber, Lyft, and Via car accidents.