# UBER RIDESHARE POLICY LIMITS | Omega Law Group ![uber rideshare insurance policy limits](https://www.omegalaw.com/wp-content/uploads/2023/11/uber-rideshare-insurance-policy-limits-scaled-220x300.jpg) ## **Taking Advantage of Uber Rideshare Insurance Policy Limits ** In 2014, a law was passed in California requiring Uber to provide a million dollar policy limit for all rides [per the California Department of Insurance](https://www.insurance.ca.gov/0400-news/0100-press-releases/archives/release067-15.cfm). This law, better known as the Assembly Bill 2293 serves to protect rideshare drivers as well as their riders during Uber car collisions.  With the Uber policy limits valued at one million dollars, riders and drivers alike may be entitled to a million dollar compensation that could help pay for any medical bills, wage loss, and many more. However, not a lot of people know about the existence of this law and Uber’s hefty policy limits. Years after the bill was turned into law, people still settle for measly Uber accident settlements when they could get so much more for the damages they’ve incurred. If you play your cards right you may get the justice and compensation you deserve. That is, as long as you get the right Uber accident attorney, a [Los Angeles rideshare accident lawyer](https://www.omegalaw.com/los-angeles/car-accident-lawyer/rideshare-accident/) can help determine which insurance policy applies to your case. When pursuing compensation for Uber accident damages, it’s worth noting that the million dollar policy limit only really kicks in at a certain “period” of the rideshare accident: Periods 0, 1, 2, and 3. Let’s do a deep dive on these “periods.” ## **Period 0 of Obtaining Uber Policy Limits** Period 0 is when the Uber rideshare app is not turned on, that means your personal insurance coverage (and not Uber’s!) is kicking in. Ideally, you should have high policy limits to further protect yourself when you’re off the clock. But legally, your car insurance should meet the minimum requirements: $15,000 of bodily injury coverage per person injured in an accident $30,000 of bodily injury coverage total per accident $5,000 of property damage coverage per accident ### Hurt in an accident? Our personal injury lawyers are here to help. [![Telephone Icon](https://www.omegalaw.com/wp-content/themes/omega-rebuild/assets/app/svg/telephone-white.svg)(310) 526-8383](tel:+13105268383) ## **Period 1 of Obtaining Uber Policy Limits** Period 1 is when the Uber rideshare app is on and you’re waiting to be paired with a passenger. This is when your own rideshare insurance (also known as third-party liability insurance) will kick in. Fortunately, Uber provides rideshare insurance in California for Period 1, but that may not be true across all states and rideshare services.  Uber’s rideshare insurance provides the following liability coverage: $50,000 of bodily injury per person injured in an accident $100,000 of bodily injury total per accident $30,000 of property damage per accident Still, having your own rideshare insurance is pretty important. Comprehensive, collision, and medical payments may not all be covered with just Uber’s rideshare insurance alone. On the other hand, having one that is provided by your own insurance will fill the gap in coverage that your personal insurance and Uber’s rideshare insurance may not.  ## **Periods 2 and 3 of Obtaining Uber Policy Limits** Period 2 is when you’ve been paired with a passenger. Period 3 is when the passenger is in your vehicle. If you’re in either of these phases during the Uber transaction, you are now protected by Uber’s one million dollar policy limit, one that you can (and should) pursue if you get into an Uber accident. As mentioned above, this is due to Assembly Bill 2293, which was[signed into a law in September 2014](https://www.insurance.ca.gov/0400-news/0100-press-releases/archives/release067-15.cfm) and forced rideshare companies like Uber to insure each ride for a million dollars come time their Uber drivers get into an accident.  It’s important that you pursue the compensation you’re entitled to in the event of an Uber accident by hiring an Uber accident lawyer as they would be best fit to help you navigate the complicated ins and outs of acquiring settlements. ### Injured in an accident? Our personal injury lawyers are here to help. [![Telephone Icon](https://www.omegalaw.com/wp-content/themes/omega-rebuild/assets/app/svg/telephone-white.svg)(310) 526-8383](tel:+13105268383) ## **Changes in Policy Limits In California** However, policy limits in California are bound to change in the coming years. In 2025, minimum policy limits are going to increase as Governor Gavin Newsom signed California Senate Bill 1107 into law. This could mean that drastic changes need to be made by consumers and rideshare companies. For one, insurance premiums may increase as a result of this law and Uber rideshare policy limits may subsequently follow suit. It remains to be said what the repercussions of SB 1107 is, but we need to keep an eye out for them. ### Have you been involved in an accident? [![Telephone Icon](https://www.omegalaw.com/wp-content/themes/omega-rebuild/assets/app/svg/telephone-white.svg)(310) 526-8383](tel:+13105268383) ## **Call Omega Law Group**  Per the [University of Chicago](https://news.uchicago.edu/story/ride-hailing-services-may-be-driving-traffic-deaths), rideshare companies like Uber are said to be responsible for 3% of the annual increase in traffic fatalities. If you get into an Uber, there’s a likelihood that you will be a part of this statistic. And you need to be ready if that happens. Knowing what to do [during a rideshare accident](https://www.omegalaw.com/blog/what-to-do-during-a-rideshare-accident/) and taking the right steps can help protect your right to fair compensation. You need to call Omega Law Group. The legal team of Uber accident experts are extremely skilled and exercise a great deal of empathy towards their clients, personalizing each service to better address their unique needs. And with millions of dollars accrued in settlements since 2016, it’s safe to say that their approach to legal service has paid off. This is a sentiment echoed by their peers in the industry as well. The team at Omega Law has garnered multiple awards from SuperLawyers and Best Lawyers.  They’ve also been recognized by prominent publications like the Los Angeles Times, US News and World Reports, and the Los Angeles Business Journal who’s heralded them as one of the “Most Admired Firms” in 2023.   Yet despite all the accolades and prestige they accumulated over the years, they remain grounded in their mission to help those in need regardless of their financial circumstances. This is why they operate on a contingency fee basis: to allow equitable access to quality legal services. Schedule a free legal consultation now to learn more. 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