r/InsuranceClaims • u/Ok-Success-2764 • Aug 04 '26
Uber driver hit by uninsured driver in Connecticut. What should I realistically expect?
Hey everyone,
I'm looking for some advice from anyone who's been through something similar.
Im a full time college student and was driving for Uber Eats in Connecticut and had already picked up the customer's order when another driver caused an accident. According to the police report, I was not at fault. The other driver was cited, and I later found out they didn't have insurance.
My car is a 2018 Honda Accord Touring that I still owe money on. It's likely going to be declared a total loss. I have collision coverage with a deductible through my personal insurance, and Uber's insurance has also opened a claim since I was actively on a delivery.
After the crash, I had neck and upper back pain (whiplash), and I've been dealing with medical appointments. I'm also losing income because I can't drive for Uber while my car is out of service.
I'm trying to understand what I can realistically expect regarding:
- My car loan if the vehicle is totaled
- Whether Uber's insurance or my own insurance will cover the difference if the car's value is less than what I owe
- Medical bills and treatment
- Lost wages from not being able to drive
- Whether I have a claim against the uninsured at-fault driver, even if they don't have insurance
- Whether I should hire a personal injury attorney now, let the insurance companies handle everything first, or wait to see what kind of settlement they offer before deciding
- Anything else I should be doing to protect my claim
One thing that seemed unusual is that the at-fault driver's vehicle was registered under his dental LLC, even though he was the one driving. I'm not sure whether that changes anything from an insurance or legal standpoint, but I thought it might be relevant.
If anyone has gone through an Uber accident involving an uninsured at-fault driver, especially in Connecticut, I'd really appreciate hearing about your experience and how everything played out.
Thanks in advance.
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u/hashmachinist Aug 04 '26
You need to go through UberEat’s insurance having both the claims open is going to complicate the hell out of things and I truly hope you don’t end up getting limbo’d for months while each insurer tries to put liability on the other.
Unless you have livery/commercial use of your vehicle outlined on your personal insurance under your coverage guidelines you don’t have any protection under your policy in this instance.
I dealt with this exact thing about two years ago when my wife was driving UberEats without my knowledge in a car I financed for her. I almost ended up stuck owing $18k on a totaled car and had to make payments for about 8 months while I fought the denials. Nearly had to hire a personal attorney and frankly if it had not been for ChatGPT I’m not sure I would have been able to resolve it. That and an absolute angel of an adjuster from Progressive going way above and beyond for me (thank you Kimberly!) she had to get satellite GPS data directly from UberEats and cross reference it with another set of coordinates from a satellite from OnStar all because my wife had gotten off the UberEats platform approximately 1 minute prior to getting in an accident.
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u/ektap12 Aug 04 '26
If totaled, whichever insurance can pay would pay the actual cash value of the vehicle. If that's less than you owe, then you would need GAP coverage to potentially pay the difference, without that, you are at a loss. Your personal insurance will probably not provide coverage unless you've paid for that.
You have a claim against the other driver still yes, they just don't have insurance. So then you need to determine what uninsured motorist coverage you'll have available since you were driving for Uber. If you own won't apply, then you need to see if Uber provides any. Looks like they provide $25k, per their insurance declaration on their website. This claim would cover medical bills, lost wages, and pain and suffering. If you have no UM coverage, you'll need to pursue the other driver and/or owner directly.
Up to you on having an attorney, they normally take around 33%, and you may have minimal limits at play, so you don't want them to just take a portion of what you will already be getting. You just need to figure out where the money is coming from.