Rideshare services like Uber and Lyft make getting around easier, but the aftermath of a rideshare accident is not always simple. Liability depends on the driver’s status in the app, the insurance coverage in place, and sometimes even overlapping policies. As Texas personal injury attorneys, we at Batrice Law Firm help clients understand these complexities and fight for the compensation they deserve after an Uber accident.
What happens if your Uber gets in an accident?
When your Uber is in a crash, multiple insurance policies may apply. The key factor is whether the Uber driver had the app on and what stage of the trip they were in.
- App off (Period 0): Only the driver’s personal auto insurance applies.
- App on, waiting for a ride (Period 1): Limited contingent coverage, often capped at $50,000 per person.
- Ride accepted (Period 2): Uber’s $1 million liability policy activates.
- Passenger in the car (Period 3): The most comprehensive coverage applies, including uninsured motorist protection.
This tiered system often confuses both passengers and drivers. That’s why it’s important to seek guidance from an experienced Uber accident lawyer in Texas.
Who pays for your injuries after an Uber accident?
Determining who pays for medical bills and other damages depends on fault and coverage.
- Uber’s $1 million insurance covers injuries when a passenger is onboard or the driver is en route.
- Another driver’s insurance applies if a third party caused the crash.
- The Uber driver’s personal insurance may apply if the app was off at the time of the accident.
Because multiple policies may overlap, disputes are common. Having a personal injury attorney ensures your claim is handled correctly.
What should you do immediately after an Uber accident?
The steps you take right after a rideshare accident are crucial. Protect your health and your legal rights.
- Call 911 and seek medical attention.
- Take photos of the scene, vehicles, and road conditions.
- Save app screenshots, driver information, and trip details.
- Gather witness names and contact information.
- Report the crash to Uber and your insurance company.
- Speak to a Texas Uber accident attorney before giving detailed statements to insurers.
Can you sue Uber after an accident?
Most Uber accident claims are handled through insurance, not by suing Uber directly. Uber classifies its drivers as independent contractors, which shields the company from many lawsuits.
However, you still have legal options:
- File against Uber’s $1 million liability policy.
- Pursue the at-fault driver’s insurance.
- Seek additional compensation if coverage is disputed.
An experienced attorney can identify the right source of recovery and negotiate aggressively with insurers.
Why is rideshare insurance so complicated?
Uber accident coverage depends heavily on the driver’s status in the app:
- Offline (Period 0): Only personal insurance applies.
- Waiting for requests (Period 1): Limited liability coverage ($50,000 per person / $100,000 per accident / $30,000 property damage).
- Ride accepted (Period 2): Uber provides $1 million in liability coverage during pickup.
- Passenger onboard (Period 3): Full coverage applies, including uninsured motorist and collision protection.
The frequent changes between coverage periods can make accident claims difficult. That’s why legal help is essential.
Why hire a Texas Uber accident lawyer?
Uber accident cases involve multiple insurers, liability disputes, and strict deadlines. Having a Texas personal injury attorney levels the playing field.
- We determine which coverage period applies.
- We gather evidence including app screenshots, police reports, and medical records.
- We negotiate with insurance companies to maximize your recovery.
- We pursue damages for medical costs, lost wages, and pain and suffering.
At Batrice Law Firm, we have the experience to cut through the red tape and fight for what our clients are owed.
Final Thoughts
If your Uber gets in an accident, don’t try to handle the insurance process alone. Coverage varies depending on the driver’s status in the app, and multiple policies may come into play. Understanding your rights and responsibilities is essential to protecting yourself after a rideshare accident.
At Batrice Law Firm, our Texas personal injury attorneys are committed to helping Uber accident victims navigate this complex process. If you’ve been injured in an Uber accident, let us fight for the compensation you deserve. Do not hesitate to call 512.600.1000 for your free consultation today.
Visit our Rideshare Injury Lawyer Page to learn more about representation after a rideshare accident.
