Uber Eats Delivery Accident Settlement Amounts

Uber Eats accident settlements depend on injury severity, available coverage, and driver status at the time of the crash. With Uber maintaining $1M liability coverage during active deliveries, significant recoveries are possible—though coverage gaps require careful navigation.

Uber Eats Insurance Coverage

Per Insurance Journal analysis, Uber's food delivery coverage mirrors rideshare:

• App off: No Uber coverage
• App on, waiting for order: Contingent coverage ($50K)
• Picking up food: $1M liability
• Delivering food: $1M liability

Settlement Factors

• Injury severity and permanence
• Driver status (on delivery vs. waiting)
• Personal insurance coverage/exclusions
• Uber contingent coverage triggers
• Your own UM/UIM limits

Settlement Ranges by Injury

• Soft tissue injuries: $10,000-$35,000
• Moderate injuries: $35,000-$100,000
• Fractures with surgery: $100,000-$300,000
• Serious permanent injuries: $300,000-$750,000
• Catastrophic injuries: $750,000-$1M+

Coverage Stacking Strategy

Maximize recovery by pursuing: driver's personal auto insurance (primary), Uber's contingent liability, your own UM/UIM coverage, and any other at-fault parties.

When Coverage Falls Short

For injuries exceeding available coverage: pursue the driver's personal assets, investigate umbrella policies, and consider bad faith claims if coverage wrongly denied.