Rideshare services like Uber have changed the way we travel. Whether you’re heading home from work, out for the night, or catching a ride to the airport, Uber offers a convenient alternative to traditional taxis and public transportation. But when an Uber ride ends in an accident, the situation can become legally complicated, especially when you’re injured.
If you were hurt as an Uber passenger, driver, or occupant of another vehicle in a crash involving an Uber driver, Labrum Law Firm is here to help. Our experienced Murfreesboro Uber accident lawyer understands how rideshare cases work—and we know how to fight for the full compensation you deserve.
Why Uber Accident Claims Are Unique
Unlike typical car accidents, rideshare crashes often involve multiple insurance policies, corporate liability questions, and complex coverage rules. Uber drivers are classified as independent contractors, not employees, and the company frequently tries to shield itself from liability when crashes occur.
What makes Uber accident cases different?
- Insurance coverage depends on driver status (logged out, waiting for a ride, en route to pickup, or actively transporting a passenger)
- Rideshare companies typically deny direct liability
- Accident victims may need to deal with multiple insurance companies
- The policies involved may have different coverage limits
- Tennessee’s modified comparative fault law may impact how much compensation is available
Because these cases are so complex, it’s critical to have an attorney who understands the nuances of Uber insurance policies and rideshare liability law in Tennessee.
Who Is Covered in an Uber Accident?
Whether you’re an Uber passenger, another driver, a pedestrian, or the Uber driver yourself, you may be eligible to recover compensation—depending on the circumstances.
You May Be Covered If You Were:
- A passenger in an Uber
- A pedestrian or cyclist hit by an Uber
- A driver or occupant of another vehicle hit by an Uber driver
- An Uber driver injured in a crash caused by another driver
Each situation is different, and coverage depends on what phase of the trip the driver was in at the time of the accident.
Uber’s Insurance Coverage Tiers Explained
Uber provides different levels of insurance based on what the driver was doing when the accident occurred:
Driver Not Logged into the Uber App
Uber provides no coverage, Only the driver’s personal auto insurance applies
Driver Logged in and Waiting for a Ride Request
Uber provides limited liability coverage:
- $50,000 per person for bodily injury
- $100,000 total per accident for bodily injury
- $25,000 for property damage
This coverage applies if the driver’s personal insurance denies the claim
Driver En Route to Pickup or Transporting a Passenger
Uber’s commercial insurance policy kicks in:
- Up to $1 million in liability coverage
- Uninsured/underinsured motorist coverage
- Contingent collision and comprehensive coverage (with a deductible)
If you were injured while actively riding in an Uber, you are likely covered under this $1 million policy. However, don’t expect the company or its insurer to make the process easy.
Common Causes of Uber Accidents in Murfreesboro
Like any car accident, Uber crashes are often caused by driver negligence—but rideshare drivers also face added risks due to frequent stops, unfamiliar routes, and distractions from the app itself.
Common causes of Uber accidents include:
- Distracted driving (looking at the GPS or Uber app)
- Speeding to reach passengers or complete trips faster
- Failure to yield or obey traffic laws
- Drowsy driving after long shifts
- Inexperienced drivers unfamiliar with local roads
- Driving under the influence
- Inattention at intersections or while changing lanes
Uber drivers are often under pressure to pick up and drop off quickly, which can lead to poor decisions behind the wheel.
Common Injuries in Uber Accidents
Uber accidents can lead to a wide range of injuries, depending on the speed, angle of impact, and number of vehicles involved.
Injuries we frequently see in Uber-related crashes include:
- Whiplash and soft tissue injuries
- Concussions or traumatic brain injuries (TBI)
- Broken bones and fractures
- Spinal cord injuries and back pain
- Facial injuries from airbag deployment
- Lacerations and bruising
- Internal injuries
- Emotional trauma or PTSD
Even if you think you’re okay, it’s critical to get medical care after an Uber crash. Injuries can worsen over time—and medical documentation is key to building a strong legal claim.
What to Do After an Uber Accident
If you’ve been involved in an accident involving an Uber driver—whether as a passenger or another motorist—your actions immediately following the crash can significantly impact your claim.
Here’s what you should do:
- Call 911: Make sure the police respond and a crash report is created.
- Seek medical attention immediately: Don’t wait to get checked out.
- Document the scene: Take photos of the vehicles, damage, license plates, and injuries.
- Gather information: Get the Uber driver’s name, contact info, license number, and insurance details.
- Collect witness statements: If anyone saw the crash, ask for their name and contact info.
- Save your Uber ride receipt and app details: This helps prove your passenger status.
- Do not speak to insurance adjusters without a lawyer: They may try to get you to settle quickly for less than your case is worth.
- Contact Labrum Law Firm: We’ll protect your rights and handle everything from start to finish.
What Compensation Can You Recover?
If you’ve been injured in an Uber accident, you may be entitled to financial compensation for a wide range of damages.
At Labrum Law Firm, we pursue full and fair compensation for:
Economic Damages
- Emergency room visits and hospital bills
- Diagnostic testing (X-rays, MRIs, etc.)
- Surgeries and physical therapy
- Future medical expenses
- Lost wages from time off work
- Reduced earning capacity
- Property damage
Non-Economic Damages
- Pain and suffering
- Emotional distress
- Disfigurement or scarring
- Loss of enjoyment of life
- Loss of consortium (for family members)
If your loved one died in an Uber-related crash, we can also pursue wrongful death damages, including:
- Funeral and burial costs
- Loss of financial support
- Loss of companionship
- Emotional suffering
How Labrum Law Firm Can Help
At Labrum Law Firm, we have experience handling Uber accident cases across Murfreesboro and Rutherford County. We understand how rideshare insurance policies work—and we know how to take on large insurers who try to avoid paying what’s fair.
When you choose us, we will:
- Investigate the crash thoroughly
- Determine the status of the Uber driver and applicable insurance coverage
- Work with medical experts to document your injuries and future care needs
- Handle all communication and negotiation with insurance companies
- File a lawsuit if necessary to maximize your compensation
We’re not afraid to go to trial. Our mission is to get you the justice and financial support you need to move forward after a serious crash.
Why Choose Labrum Law Firm?
Labrum Law Firm provides Murfreesboro residents with compassionate, aggressive, and results-driven representation. We focus on personalized legal care and maximum results—not quick settlements.
Clients choose us because:
- We know how Uber’s insurance and legal teams operate
- We treat clients like people—not case numbers
- We’re local to Murfreesboro and familiar with local courts and traffic laws
- We offer no-fee guarantees—you pay nothing unless we win
Whether you’re an injured passenger or a driver hit by an Uber, we’re ready to protect your rights and fight for what you’re owed.
Time Limits Apply – Don’t Wait to Take Action
Tennessee law gives you just one year from the date of your Uber accident to file a personal injury lawsuit. If you miss this deadline, you may lose your right to recover any compensation at all.
That’s why it’s so important to get legal help right away. The sooner we get started, the stronger your case will be.
Talk to a Murfreesboro Uber Accident Lawyer Today
An Uber accident can change your life in an instant—but you don’t have to navigate the aftermath alone. At Labrum Law Firm, we’re ready to investigate your claim, deal with the insurance companies, and fight for the justice you deserve.
Call today to schedule your free, no-obligation consultation with a trusted Murfreesboro Uber accident lawyer. Let us help you take the first step toward recovery and financial relief.
