Hit By An Uber Eats Driver?

Hurt by an Uber Eats Driver and Not Sure What Comes Next?

An accident lasts a few seconds. The fallout can last for months. Your car is damaged or in the shop. You are hurt, missing work, and juggling doctor visits. And the insurance adjuster keeps calling, friendly on the surface, asking questions designed to shrink what they pay you.

You should not have to untangle any of that while you are recovering. Sam Aguiar Injury Lawyers handles the entire process: the repair hassles, the medical paperwork, and every conversation with the insurance company. Our job is to make sure an accident you did not cause does not end up costing you twice.

Personal Policies Often Create Denials

A personal auto carrier may deny coverage when the driver was using the vehicle for delivery work.

Other policies may still apply, including Uber Eats-related coverage, household policies, and uninsured or underinsured motorist coverage.

Camera And Phone Evidence Can Move Fast

Restaurant cameras, intersection footage, phone records, vehicle photos, and app records may be overwritten quickly.

A focused preservation plan keeps the case from depending only on the insurance company’s version of events.

How Uber Describes Its Delivery Coverage

Uber publishes the auto liability coverage it maintains for delivery trips on its delivery insurance page. How much coverage applies depends on what the courier was doing in the app when the crash happened.

• App off. The page states that “Uber does not maintain any coverage when you are offline,” so the courier’s own personal auto policy is the only coverage before and after a shift.
• Online and waiting. Uber’s third-party liability insurance may pay for injuries or damage “up to at least state auto insurance minimums” while the courier waits for an order.
• En route or delivering. Uber maintains coverage “up to $500,000 (or more, where required) for property damage and injuries to third parties involved in an accident where you’re at fault.”

That coverage protects the people the courier hits. It does not repair the courier’s own vehicle, which the page lists separately as not covered.

What Uber’s Annual Report Says About Coverage

Uber describes its driver model in its 2025 annual report on Form 10-K, filed with the U.S. Securities and Exchange Commission on February 13, 2026. The filing refers to its drivers and delivery people together as “Drivers and Couriers,” and it classifies them as independent contractors, not employees. Uber writes that it “believe[s] that Drivers are independent contractors because, among other things, they can choose whether, when, and where to provide services on our platform, are free to provide services on our competitors’ platforms, and provide a vehicle to perform services.”

That classification matters after a crash, because it means the courier’s own policy is usually the first layer, and Uber’s coverage steps in only for the parts of a trip it describes. Uber also retains some risk itself through a captive insurance subsidiary, and the filing notes those “insurance reserves include amounts for unpaid losses and loss adjustment expenses” that are “based on actuarial estimates, historical claim information, and industry data.” None of that promises coverage in a specific case; it describes the layers Uber says it keeps in place.