Insurance coverage after an Uber accident depends heavily on what the driver was doing when the crash occurred.
Arkansas law establishes different insurance requirements when a rideshare driver is online and waiting for a request versus when the driver has accepted a ride and is traveling to pick up or transport a passenger.
When an Uber driver is online and available for requests but has not accepted a ride, Arkansas requires at least $50,000 in bodily injury coverage per person, $100,000 per accident, and $25,000 in property damage coverage.
Once the driver accepts a ride request, the required primary liability coverage increases to at least $1 million.
If the driver is completely offline, Uber’s commercial rideshare coverage does not apply and the driver’s personal insurance generally governs the accident.
The driver’s app status, insurance policy limits, available rideshare coverage, and the terms of the applicable policies can therefore have a significant effect on an Uber accident claim.
When the Driver Is Logged In but Waiting for a Ride
When an Uber driver is logged into the app and available but has not yet accepted a ride request, Arkansas requires at least:
- $50,000 for bodily injury or death to one person
- $100,000 for bodily injury or death per accident
- $25,000 for property damage
This coverage may be maintained by the driver, the rideshare company, or a combination of both.
If the driver’s required insurance has lapsed or does not provide the required coverage, Arkansas law requires the insurance maintained by the transportation network company to provide the required protection beginning with the first dollar of the claim.
The driver’s personal insurance may also exclude accidents occurring while the vehicle is being used for rideshare work.
Arkansas permits personal auto insurers to exclude certain coverage while a driver is logged into a rideshare platform, making it important to review both the rideshare policy and the driver’s personal insurance after a crash.
When the Driver Is Picking Up or Transporting a Passenger
Once an Uber driver accepts a ride request, Arkansas requires at least $1 million in primary automobile liability coverage for death, bodily injury, and property damage.
This coverage applies while the driver is traveling to pick up the passenger and while the passenger is being transported.
Uber currently states that it maintains at least $1 million in third-party liability coverage during this period.
Other coverage, including uninsured or underinsured motorist protection, may also be available depending on Arkansas law and the specific insurance policy.
App data, trip receipts, timestamps, and ride records can help establish whether the driver had accepted a trip when the accident occurred.
Arkansas law also requires transportation network companies and potentially responsible insurers to cooperate during claims investigations and exchange relevant information about when a driver logged on and off the platform.
Because the available coverage can change based on the driver’s status, an attorney may need to review the applicable policies rather than relying solely on the general insurance limits advertised by Uber.