If you’re a passenger injured in a rideshare car, our Houston car accident attorney explains, you’re entitled to file a claim with the appropriate insurer(s) for your damages, which include all your related present and future medical expenses, lost income, and pain and suffering. Identifying the right insurance company, however, is more difficult and complicated in a rideshare crash than it would be if you were driving your own car, in which case your claim would probably be filed against one at-fault driver’s insurer. This is not the case with a rideshare accident.
Rideshare Insurance Coverage in Texas
The nature of the rideshare industry requires very specific insurance coverage that differs from what most drivers have for their personal vehicles.
Uber is required by law to carry $1 million of liability insurance for its rideshare cars. When signed onto the Uber app and awaiting a ride request, an Uber driver has bodily injury coverage limits of $50,000 per person and $100,000 per accident, as well as $25,000 for property damage. When a passenger is in the car, the coverage increases to:
- Third-party liability coverage of $1 million
- Uninsured (UM) or underinsured (UIM) motorist coverage up to $1 million
- Contingent comprehensive and collision coverage up to the value of the car with a $1,000 deductible amount
Uber’s contingent comprehensive and collision coverage is active only if the driver has comprehensive or collision coverage on the vehicle as well.
Lyft provides similar coverage with some variations. A driver waiting for a ride request has the same bodily injury coverage of $50,000 per person and $100,000 per accident, along with $25,000 per accident for property damage, but this coverage applies only if the driver’s personal policy does not cover an accident or has coverage limits too low to pay all damages. Between the time when a ride is accepted and the time when the ride ends, both driver and passengers have:
- Primary liability coverage up to $1 million per accident
- Uninsured/underinsured motorist coverage
- Contingent comprehensive and collision insurance with a $2,500 deductible amount
When a Lyft driver has commercial auto insurance, that coverage is primary, and Lyft’s liability coverage kicks in secondarily.
The Need for an Experienced Auto Accident Attorney
Even though the rideshare companies have sufficient insurance coverage to pay your damages if you’re a passenger injured in a crash, figuring out exactly how to file your insurance claim(s) and how much to demand can be a complicated process. If your driver’s negligence caused the accident, you might have a claim against the driver and the rideshare company. If a third party in another car caused the wreck, you could have a claim against that driver’s insurer or against your own uninsured motorist coverage. In some cases, the fault for an accident might be divided between or among the motorists involved, in which case you would have to determine each driver’s percentage of fault and file claims against both/all of them, as well as the rideshare company. If one or more of the insurers refuses to offer you a reasonable settlement, which is very likely, you might have to file one or more lawsuits and seek a fair award in court.
Most accident victims, especially those recovering from injuries and possibly hospitalized or taking pain medication, are not up to the task of sorting out a rideshare accident and seeking fair compensation on their own. While you focus on getting better, an experienced lawyer can level the playing field by:
- Investigating your case thoroughly to determine liability and percentages of fault for all at-fault parties
- Demanding appropriate compensation from all insurers
- Handling all communications with insurance companies
- Negotiating fair settlements
- Filing lawsuits if necessary and taking your case to trial
Have You Been Injured in a Rideshare Accident?
You can help your potential claim for damages by calling 9-1-1 to report your accident, taking photos of the scene and all vehicles involved in the wreck, getting license plate numbers and insurance information from all drivers involved, obtaining contact information from witnesses, seeking medical attention immediately, not admitting any fault to anyone, and consulting a car accident attorney as soon as possible.