The Uber policy is a scam. There is another case where the passengers were injured, but again they are in court trying to force Uber to pay as the drivers private insurance declined coverage.
"The collision occurred at approximately 8:00 p.m. as the Liu family was heading home and was lawfully crossing, with a green light, when they were struck by a right turning vehicle. Sofia was taken to San Francisco General Hospital where she died. Her mother was hospitalized for an extensive period with life threatening injuries requiring delicate, extensive, surgery. Anthony, who suffered serious injuries was released to his grieving father Ang.
Uber acknowledged that Muzzaraf was a "Uber partner" but stated that he was not providing transportation services for Uber at the time of the collision. Uber has also stated that its oft touted $1,000,000.00 in insurance coverage for its drivers is not available to pay for the medical expenses, funeral bills, or the other damages suffered by the Liu family because there was not a passenger in the vehicle at the time of the collision. In addition to losing Sofia, her mother Huan, and her brother Anthony, were seriously injured requiring extensive hospitalization.
The Dolan Law Firm has filed suit in San Francisco Superior Court against Uber, its business partners, and Muzzaraf claiming that Uber is responsible for Muzarraf's conduct, and the Liu's losses, based on the fact that Muzzaraf was logged on to the Uber app.
At the time of the collision and was, therefore, working for Uber whether or not he had a passenger in the car.