{"id":23057,"date":"2019-01-22T09:39:33","date_gmt":"2019-01-22T17:39:33","guid":{"rendered":"https:\/\/downtownlalaw.com\/?page_id=23057"},"modified":"2026-06-14T16:53:11","modified_gmt":"2026-06-14T16:53:11","slug":"uber-deductibles","status":"publish","type":"page","link":"https:\/\/downtownlalaw.com\/es\/practice-areas\/uber-lyft-accident-steps\/uber-deductibles\/","title":{"rendered":"Seguro Uber - Lo m\u00e1s importante que debe saber Deducciones Uber"},"content":{"rendered":"

Ultimate guide to Uber, Fair and Maven<\/h1>\n
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Many people drive Uber for the extra cash and may not have a lot of money saved up or laying around. As a result, if they are ever involved in an accident, they are in need of some kind of coverage. Although Uber offers insurance to all of its drivers thanks to a ruling that declared them a form of employee as opposed to independent contractors, the company still does not make it easy to recover damages and pay for any injuries<\/a> or expenses. James River Insurance provides coverage for Uber and drivers<\/a>, but it can be difficult to file a claim and meet the deductible ahead of time. Uber’s policy dictates<\/b> that the accident is covered once the James River accident deductible amount<\/b> is met; this amount – $1,000 – is not small, and it can be hard for people to pay it off. Fortunately, if you get into an accident while driving for Uber<\/a>, you may have legal options available to you to cover the Uber insurance deductible. You could potentially sue another party for expenses relating to the incident, or you could contact our legal group<\/a>. Our law firm will pay the deductible for your Uber accident if we take on your case<\/a>. Reach out to the Downtown LA Law Group for more help concerning the insurance deductible for Uber’s insurance policy.<\/p>\n

Uber Accident Deductible<\/h2>\n

Uber offers commercial insurance to drivers because a personal auto<\/a> insurance policy will not cover anything that happens while driving for money. The policy is simple and consists of separate stages of coverage. They are as follows: If you are not driving for Uber, your own policy is in effect and your coverage and its limits apply. If you have the Uber app turned on and you are waiting for a customer to request a ride, Uber covers up to $50,000 in liability and $25,000 in collision insurance. When you accept a ride and you are traveling to the customer, the policy limit increases to $1,000,000 and will cover a few different parties. You will be covered, the individual or individuals who enter your car will be covered, and a third-party who hits you or whom you hit can be covered. You may also be covered if a third-party strikes you and cannot pay for the damages. Underinsured and uninsured motorist coverage is also $1,000,000. When the ride is over and you have dropped off the passenger, your insurance reverts back to the original state. After an accident, you may have to cover a certain amount of the damages yourself, which is the deductible. This James River deductible must be met before the insurance company covers the other damages. The $1,000 comprehensive deductible can be troublesome for some people to meet, though, and they may not have anything covered if the repair costs less than the total or if the vehicle is a total loss. Many people ask us questions about this James River deductible amount, some examples of which include:<\/p>\n