Ridesharing services like Uber and Lyft have revolutionized transportation in Texas. However, with the increasing number of rideshare vehicles on the road, accidents involving these services have also risen. If you’re involved in a rideshare accident—whether as a passenger, driver, or third party—you need to understand your legal rights and how to pursue compensation.

This comprehensive guide explains the liability in rideshare accidents, the steps to take after a crash, and how to file a claim for compensation in Texas.

Understanding Liability in Texas Rideshare Accidents

Determining who is responsible in a rideshare accident can be complicated due to the involvement of multiple parties, including the rideshare company, drivers, passengers, and other motorists.

Who Can Be Held Liable?

• The Rideshare Driver: If the rideshare driver’s negligence (such as speeding, distracted driving, or running a red light) caused the accident, they may be held liable.
• Other Drivers: If another motorist caused the crash, they may be responsible for damages.
• Rideshare Companies (Uber/Lyft): In some cases, Uber or Lyft’s insurance coverage may apply, depending on the driver’s status at the time of the accident.

Rideshare Insurance Coverage in Texas

Uber and Lyft provide insurance coverage for their drivers, but the amount depends on what stage of the ride the driver was in:

1. Driver Offline: When the driver is not logged into the rideshare app, their personal auto insurance applies.
2. Driver Online, No Passenger: If the driver is logged into the app but has not accepted a ride, Uber and Lyft provide limited liability coverage ($50,000 per person for bodily injury, $100,000 per accident, and $25,000 for property damage).
3. Driver En Route or With a Passenger: The rideshare company’s $1 million liability policy applies when the driver is on the way to pick up a passenger or has one in the car.

Understanding these coverage limits is crucial in determining how much compensation you can seek.

Steps to Take After a Rideshare Accident in Texas

The actions you take immediately after a rideshare accident can significantly impact your ability to claim compensation.

1. Call 911 and Seek Medical Help

Even if injuries appear minor, it’s essential to get medical attention. Some injuries, like concussions or internal trauma, may not be immediately apparent. A police report will also serve as valuable evidence for your claim.

2. Gather Evidence

Take pictures of the accident scene, vehicle damage, license plates, and any visible injuries. Collect witness statements and contact information. If possible, obtain a screenshot of the rideshare trip details from the app.

3. Report the Accident to the Rideshare Company

Uber and Lyft require accidents to be reported through their apps. This helps initiate the claims process and ensures the company is aware of the incident.

4. Notify Your Insurance Company

Inform your insurance provider about the accident. Be cautious when discussing fault, and avoid admitting liability until all details are reviewed.

5. Consult a Rideshare Accident Attorney

Because of the complexities involved in rideshare accidents, consulting an experienced attorney can help you navigate the claims process, negotiate settlements, and ensure you receive fair compensation.

How to Seek Compensation for a Rideshare Accident in Texas

Victims of rideshare accidents may be entitled to compensation for:

• Medical expenses (current and future treatment)
• Lost wages (including future earning potential)
• Pain and suffering
• Property damage
• Wrongful death (if a loved one was fatally injured)

Filing a Claim Against Uber or Lyft

Filing a claim against a rideshare company differs from standard car accident claims. Since Uber and Lyft classify their drivers as independent contractors, they often try to avoid direct liability. However, their insurance policies still provide substantial coverage.

• If the rideshare driver was at fault and was on an active ride, Uber or Lyft’s insurance should cover the damages.
• If another driver was at fault, their insurance company would be responsible.

When to File a Lawsuit

If insurance negotiations fail to provide a fair settlement, you may need to file a lawsuit against the at-fault party. A personal injury attorney can help determine whether litigation is necessary.

Challenges in Rideshare Accident Claims

Unlike traditional car accidents, rideshare cases involve unique challenges:

• Determining which insurance policy applies (rideshare company vs. personal insurance)
• Delayed or denied claims from Uber or Lyft’s insurers
• Disputes over fault and liability
• Low settlement offers that don’t fully cover damages

An experienced attorney can help overcome these obstacles and maximize your compensation.

FAQs About Rideshare Accidents in Texas

Can I sue Uber or Lyft directly for a rideshare accident?
Generally, Uber and Lyft avoid direct liability by classifying drivers as independent contractors. However, their insurance policies may cover damages if their driver was responsible for the accident.

What if I was a passenger in a rideshare accident?
As a passenger, you are rarely at fault. You may file a claim against the rideshare driver’s insurance, the other driver’s insurance, or Uber/Lyft’s liability coverage.

What if the rideshare driver was off-duty?
If the driver was not logged into the rideshare app, their personal auto insurance is responsible for covering any damages.

How long do I have to file a claim for a rideshare accident in Texas?
Texas has a two-year statute of limitations for personal injury claims. It’s crucial to act quickly to preserve evidence and strengthen your case.

What if Uber or Lyft denies my claim?
If the rideshare company’s insurance denies your claim, you may still pursue compensation through personal injury litigation with the help of a lawyer.

Do I need a lawyer for a rideshare accident claim?
While not required, hiring an attorney significantly improves your chances of securing fair compensation, especially when dealing with large insurance companies.

Conclusion

Rideshare accidents in Texas can be legally complex, involving multiple insurance policies and liability disputes. If you’ve been injured in an Uber or Lyft accident, understanding your legal rights is crucial for obtaining fair compensation. By following the correct steps—seeking medical attention, gathering evidence, reporting the crash, and consulting a lawyer—you can maximize your chances of receiving the compensation you deserve.

While ridesharing is a convenient option, it comes with risks. When traveling, hiring a top-tier transfer service ensures a safer, more reliable, and premium transportation experience, eliminating the uncertainties of rideshare services.