As an Uber passenger, you were not driving and you didn't cause the crash. Arizona law treats you as a non-at-fault party in almost every scenario, which means you have the right to pursue compensation from whoever was responsible, including through Uber's commercial insurance policy.
What Uber's insurance covers as a passenger
Once a ride is accepted and you're in the vehicle, Uber maintains a $1 million per-occurrence liability policy. That policy covers injuries to passengers regardless of who caused the crash, your Uber driver, another vehicle, or both. Arizona's TNC statutes (A.R.S. §§ 28-9551 through 28-9566) require this coverage. If another driver caused the crash and is underinsured, Uber's UM/UIM coverage also applies.
What to do immediately after the crash
Report the incident through the Uber app, this creates an official record with timestamp and driver information. Call 911. Get medical care even if you feel okay, adrenaline masks symptoms, and injuries from rideshare crashes often present hours later. Photograph the vehicles and the scene. Get the Uber driver's full name and license plate. If another vehicle was involved, get that driver's information too. Don't give recorded statements to any insurer before speaking with an attorney, Uber's claims team will contact you, and their goal is to minimize what they pay.
What a passenger claim can recover
Medical expenses past and future, lost wages, pain and suffering, emotional distress, and loss of enjoyment of life are all recoverable. As a passenger with no fault in causing the crash, your recovery typically isn't reduced by comparative fault considerations. The focus is on documenting your injuries and losses and identifying the applicable coverage.
The filing deadline
Arizona gives most personal injury victims two years from the accident date (A.R.S. § 12-542). See our post on the Arizona personal injury statute of limitations.
Our rideshare accident attorneys handle Uber passenger claims throughout Phoenix and Scottsdale on a contingency fee basis. No fee unless we win. Call (480) 418-SHER (7437) or reach out online.