How is the $1 million limit divided when several Uber passengers are hurt together?
When several passengers are injured in the same Uber crash, the $1,000,000 in coverage Georgia requires during a prearranged ride is generally a single per-occurrence pool shared among everyone hurt in that incident, not a separate million for each person. That structure can create competition for limited funds when injuries are severe.
Per-occurrence coverage, not per-person ¶
O.C.G.A. § 33-1-24 requires the transportation network company to maintain $1,000,000 in coverage for death, bodily injury, and property damage arising from a prearranged ride. This is framed as coverage available for the incident rather than a guaranteed amount for each claimant. So if three or four passengers are injured in one wreck, they typically draw from the same $1,000,000, and the total available to all of them combined is capped at that figure unless other coverage applies.
This matters most when the combined value of everyone’s injuries exceeds the policy. In that scenario the limit may have to be allocated among the claimants, whether by negotiated agreement, by the insurer’s distribution process, or, if the dispute reaches court, by judicial apportionment of the available funds.
Other coverage that may add to the pool ¶
The shared limit is not always the end of the analysis. Additional sources can supplement it:
- If another driver caused the crash, that driver’s liability insurance is a separate pool reached before or alongside the rideshare coverage.
- The rideshare policy’s UM/UIM coverage, set at $300,000 per accident with a $100,000 per-person maximum, may respond where an at-fault outside driver is uninsured or underinsured.
- Individual passengers may have their own UM coverage that applies to them personally.
Because multiple injured people share the per-occurrence limit, the timing and coordination of claims can affect how much each ultimately receives.
The bottom line ¶
The $1,000,000 Georgia requires during a prearranged ride is normally a single per-occurrence amount shared by all passengers hurt in one Uber crash under O.C.G.A. § 33-1-24, not a separate sum per person. When several serious injuries exhaust that pool, the funds are allocated among the claimants, and any additional liability or underinsured-motorist coverage becomes important to a full recovery.
This article is for general educational and informational purposes only and is not legal advice. It does not create an attorney-client relationship, and Georgia law may change. For advice about a specific situation, consult a licensed Georgia personal injury attorney.