Rideshare services like Uber have changed the way people get around, but when an accident happens, figuring out who's responsible and how to file a claim isn't always straightforward. In Ohio, pursuing compensation after an Uber-related crash involves a unique process that blends elements of traditional car accident claims with rideshare-specific insurance policies.

Understanding how these claims work—and what steps to take after an accident—can help protect your rights and improve your chances of recovering damages for your injuries, lost wages, and other expenses.

What Makes Uber Accidents Different from Other Car Crashes?

Unlike regular car accidents where one of the drivers typically carries personal liability insurance, Uber drivers operate under a tiered insurance model. Their coverage depends on what they were doing at the time of the crash:

• App Off: If the Uber app is turned off, only the driver's personal insurance policy applies.
• App On, No Passenger Yet: When the driver is waiting for a ride request, Uber provides limited liability coverage: up to $50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage.
• During a Trip (Pickup or Passenger Onboard): Uber holds up to $1 million in third-party liability coverage, plus uninsured/underinsured motorist (UM/UIM) coverage and contingent collision coverage.

This layered structure often complicates the claims process, particularly when multiple parties and insurers are involved.

Step 1: Report the Accident Immediately

Whether you're a passenger, pedestrian, or the occupant of another vehicle, it's essential to report the accident both to local law enforcement and Uber itself. In Ohio, you are legally required to notify the police if the car accident resulted in injury, death, or property damage exceeding $1,000.

Why this matters:

• A police report creates an official record that can support your claim.
• Reporting the incident through the Uber app triggers the company's internal claims process and ensures their insurance carrier is notified.

Passengers can go into their trip history in the app, select the relevant ride, and use the "Report a Safety Issue" feature. Drivers also have access to a similar reporting mechanism through their driver app.

Step 2: Seek Medical Attention Promptly

Even if injuries appear minor at first, it's important to get a medical evaluation. Some conditions—like whiplash or internal injuries—may not show symptoms right away. In Ohio, waiting too long to seek treatment can be used against you in a liability dispute.

Keep records of:

• Emergency room visits
• Follow-up appointments
• Medical bills and prescriptions
• Documentation from your physician regarding prognosis or work restrictions

This medical documentation is a key component of any injury-related insurance claim.

Step 3: Gather Evidence at the Scene

Strong evidence can make or break a personal injury claim. If you're physically able, collect the following while still at the accident site:

• Photos of vehicle damage, road conditions, and any visible injuries
• Contact and insurance information from all drivers involved
• Contact information from witnesses
• Screenshots from the Uber app confirming your ride details (time, route, driver name)

You should also retain any communication with Uber's support team, as these interactions can help clarify the timeline and liability position later.

Step 4: Understand Uber's Insurance Coverage Limits

In Ohio, you have the right to pursue compensation from the appropriate insurance carrier. If the Uber driver was at fault and was actively on a trip or en route to pick up a rider, Uber's $1 million liability policy would likely apply.

However, if another driver caused the crash, you may need to go through that person's insurance provider. If they are uninsured or underinsured, Uber's UM/UIM coverage may be activated—particularly if you were an Uber passenger at the time.

Important distinction: Uber's policy is contingent, meaning you may have to exhaust other avenues (such as the at-fault driver's policy) before Uber's insurance kicks in.

Step 5: File a Claim With the Appropriate Insurance Company

Once you've determined which party is liable, you can begin the formal claim process. You may be dealing with:

• The Uber driver's personal insurer
• Uber's third-party insurance provider (often handled through companies like James River Insurance)
• Another driver's insurer, if they were at fault

Be prepared to submit:

• Medical documentation
• Proof of lost wages
• Repair or replacement estimates for damaged property
• The police report
• Any communications with Uber

It's worth noting that insurance companies may attempt to limit payouts or deny responsibility altogether, particularly when coverage tiers are unclear.

Step 6: Know Your Legal Options and Time Limits

Ohio has a two-year statute of limitations for personal injury claims related to car accidents. That means you have two years from the date of the crash to file a lawsuit if the insurance settlement is inadequate or the claim is denied.

In cases involving Uber, legal representation can be particularly helpful. Rideshare companies are known to shield themselves from direct liability by classifying drivers as independent contractors. An experienced personal injury attorney will help cut through the corporate red tape and advocate for a fair settlement.

When to Consider Filing a Lawsuit

If negotiations with the insurance company fall flat, or if liability is disputed, filing a lawsuit may be necessary. Situations that might require legal action include:

• Disagreement over fault
• Inadequate compensation for medical costs or long-term injuries
• Uber's refusal to acknowledge coverage responsibility
• Denied claims under uninsured motorist policies

An attorney can also help calculate non-economic damages such as pain and suffering or diminished quality of life—losses that are often undervalued in initial settlement offers.

Conclusion

Filing an Uber accident claim in Ohio involves more than just reporting the incident—it requires a clear understanding of insurance layers, liability, and your rights as an injured party. Regardless if you were a passenger, another driver, or a pedestrian, knowing which steps to take—and when to take them—can greatly improve your chances of receiving full compensation. Given the complexities of rideshare insurance policies and multi-party liability, consulting with a personal injury attorney early in the process can offer a strategic advantage and ensure your interests are fully protected.

Need Legal Help? Brandon J. Broderick, Attorney at Law is One Phone Call Away

Navigating Ohio car accident claims can be challenging. Fortunately, you don't need to do it alone. The experienced personal injury lawyers at Brandon J. Broderick, Attorney at Law, are available 24/7 to help you understand your legal options, gather necessary evidence, and build a strong case to secure the settlement you deserve.

Contact us now for a free legal review.