Ridesharing services like Uber and Lyft have become integral to transportation in Texas. However, accidents involving these services can lead to complex liability issues, especially when someone is injured or killed.
Types of victims
Victims in rideshare accidents usually include:
- Passengers: Those riding in Uber or Lyft vehicles.
- Other drivers: Individuals driving other vehicles involved in the accident.
- Pedestrians and bicyclists: Those on foot or riding bicycles who are struck by the rideshare vehicle.
Liability is based on driver status
Liability in rideshare accidents depends significantly on what the driver was doing at the time of the accident. There are three main categories of liability to consider:
Driver not logged into the app
If the driver is not logged into the Uber or Lyft app, they are unavailable to accept ride requests. In this case, the driver’s personal auto insurance is the primary coverage to pay for damages. Texas law requires drivers to carry a minimum of $30,000 per person, $60,000 per accident for bodily injury and $25,000 for property damage.
Driver logged into the app and is waiting for a ride request
If the driver is logged into the app but has not yet accepted a ride request, Uber and Lyft provide contingent liability coverage. This means the rideshare company’s insurance will cover up to $50,000 per person, $100,000 per accident for bodily injury and $25,000 for property damage if the driver’s personal insurance does not fully cover the damages.
The driver is en route to pick up a passenger or transporting a passenger
If the driver has accepted a ride request and is either on the way to pick up a passenger or currently transporting a fare, Uber and Lyft provide a $1 million liability insurance policy. This coverage applies to any injuries, deaths, or property damage caused by the rideshare driver.
Steps to take if injured in a rideshare accident
If you are injured in an accident involving an Uber or Lyft, follow these steps to protect your rights and seek compensation:
- Contact law enforcement: File a police report to document the accident.
- Gather information: Obtain insurance details from all drivers involved, including the rideshare driver’s personal and company insurance information.
- Document the scene: Take photos of the accident scene, your injuries and any property damage.
- Seek medical attention: Get immediate medical treatment for your injuries.
- Consult a personal injury lawyer: An experienced attorney can help navigate the complexities of rideshare accident claims and ensure you receive fair compensation.
These can be complicated cases
Accidents involving Uber and Lyft can be complicated due to the varying levels of insurance coverage based on the driver’s status. Understanding these nuances is crucial for victims seeking compensation. If you are in such a situation, taking the appropriate steps and consulting with an injury attorney can help protect your rights and secure the compensation you deserve