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Uber Accidents In Missouri

Rideshare pick up sign

Ridesharing services have revolutionized the way we get around cities, offering convenient and affordable transportation options. However, what happens if you find yourself injured in an accident while riding in an Uber in Missouri? Determining liability for personal injury damages for Uber accidents in Missouri can be complex, and it’s crucial to understand your rights and options. McShane & Brady, your trusted Kansas City personal injury law firm, is here to shed light on this matter.


Uber’s Liability Coverage

Uber, like other ridesharing companies, provides liability coverage to protect both drivers and passengers. In Missouri, Uber’s insurance typically consists of three phases:

  1. App Off: When the driver’s Uber app is turned off, their personal insurance is responsible for any accidents that occur. Uber’s insurance doesn’t apply during this phase.
  2. App On (Waiting for a Ride Request): If the driver’s app is on, but they haven’t accepted a ride request, Uber’s insurance provides liability coverage. This coverage is limited but can be used if the driver’s personal insurance doesn’t apply.
  3. En Route to Pickup and During the Ride: Once the driver accepts a ride request and is en route to pick up a passenger or during the ride, Uber’s insurance offers the highest coverage for injuries and damages, up to $1,000,000. This coverage includes liability for injuries to passengers, other drivers, and pedestrians, as well as property damage.


Determining Liability

If you’re injured in an accident while riding in an Uber, determining liability depends on several factors, including who caused the accident and which phase of the trip the driver was in at the time. Here’s what you need to know:

  1. Uber Driver’s Negligence: If the Uber driver’s negligence caused the accident, Uber’s insurance would typically cover your personal injury damages.
  2. Other Driver’s Negligence: If another driver was at fault, their insurance may come into play. If the at-fault driver is uninsured or underinsured, Uber’s underinsured motorist coverage can provide additional protection.
  3. Multiple Parties at Fault: In some cases, multiple parties, including the Uber driver and another driver, may share liability. In such situations, you may need to pursue claims against multiple insurance policies.
  4. Negligence by Third Parties: If the accident was caused by a third party, such as a defective vehicle part or poor road conditions, you might have a personal injury claim against that party.


Seek Legal Counsel

Navigating the complexities of personal injury liability in an Uber accident can be overwhelming, especially when dealing with multiple insurance providers. That’s where the expertise of a Kansas City personal injury law firm like McShane & Brady becomes invaluable.

Our experienced attorneys can help you:

– Determine liability for your injuries.

– Maximize the compensation you deserve.

– Navigate the insurance claims process.

– Represent your interests in negotiations and, if necessary, in court.



Determining liability for personal injury damages in Missouri Uber accidents can be very complex, depending on the circumstances. McShane & Brady is committed to assisting you through this often intricate process. Don’t hesitate to reach out for legal guidance, ensuring your rights and well-being are protected in the aftermath of an Uber accident. If you or a loved one has been injured in an accident in or around Kansas City, contact the experienced and compassionate attorneys at McShane & Brady. We can be reached at (816) 888-8010, or via our website,