I Got Hurt in an Uber in the Bronx — Who Pays for My Medical Bills?

Understanding Insurance Coverage in Bronx Uber Accidents

When you’re injured in an Uber accident in the Bronx, multiple insurance policies may come into play:

1. Uber’s Insurance Policy – Uber provides different levels of coverage depending on the driver’s status at the time of the accident:
   • When the app is on and the driver is waiting for a ride request: Uber provides limited liability coverage of $75,000 per person for bodily injury, $150,000 per accident, and $25,000 for property damage.
   • During trips and en route to pick up passengers: Uber maintains a $1,250,000 liability policy plus uninsured/underinsured motorist coverage and contingent comprehensive and collision coverage.
2. New York’s No-Fault Insurance System – New York operates under a no-fault insurance system, which means that regardless of who caused the accident, your immediate medical bills should be covered by the vehicle’s insurance policy. In Uber accidents, this usually means:
   • The required $50,000 in Personal Injury Protection (PIP) benefits from Uber’s insurer
   • Coverage for medical expenses, lost wages (up to 80% with a maximum of $2,000 per month), and other reasonable expenses
3. Your Personal Health Insurance – If your medical expenses exceed the PIP limits, your personal health insurance may cover additional costs. However, they may later seek reimbursement (subrogation) from any settlement you receive.
4. The At-Fault Driver’s Insurance – If another driver caused the accident, their insurance may be responsible for damages beyond what no-fault coverage provides, especially for serious injuries.

What Counts as “Serious Injury” in the Bronx?

New York law allows you to step outside the no-fault system and file a lawsuit against the at-fault party if you’ve sustained a “serious injury.” This includes:

• Fractures
• Significant disfigurement
• Permanent limitation of the use of a body organ or member
• Significant limitation of the use of a body function or system
• Full disability for 90 days or more

Why You Need a Bronx-Based Attorney for Your Uber Accident

The complexities of rideshare accidents in the Bronx require local expertise. Unlike large corporate firms that might treat you as just another case number, our dedicated Bronx legal team at Apicella & Schlesinger provides personalized representation with deep knowledge of:

• Bronx traffic patterns and accident hotspots
• Local medical providers and their documentation practices
• The Bronx court system and local judges
• New York-specific regulations governing rideshare companies

Contact Our Bronx Uber Accident Attorneys Today

If you’ve been injured in an Uber accident in the Bronx, don’t face the complex insurance and legal system alone. At Apicella & Schlesinger, you’ll work directly with experienced attorneys who will guide you through every step of the process.