Can I Use Uber/Lyft Accident Liability Coverage in Texas?

Harrell & Paulson

You trust that Uber and Lyft drivers will get you to your destination safely. But when they don’t, you can be wrongfully injured in an accident by no fault of your own. Rideshare car accidents happen more often than you may think in the state of Texas. If you require compensation to heal your injuries and recover your damages, follow along to discover how a seasoned Kaufman County, Texas car accident lawyer at Harrell & Paulson, LLP can use the Uber/Lyft accident liability coverage service to work in your favor.

What Are the Common Causes of Uber/lyft Accidents in The State of Texas?

Uber/Lyft accidents occur in the same way that any other auto accident occurs on Texas roads. Sometimes, elements outside of a driver’s control, such as road hazards or dangerous weather conditions, are the cause of the accident. But more often, the driver themself is the cause of the accident, especially if they were driving with negligence. Examples of this driving behavior are as follows:

  • The driver is reckless by speeding or ignoring traffic lights and signs.

  • The driver is distracted by texting or looking at a GPS.

  • The driver is drowsy or fatigued, which creates slowed reflexes.

  • The driver is under the influence of drugs or alcohol, which creates poor decision-making.

How Does Uber/Lyft Accident Liability Coverage Work in The State of Texas?

Notably, Uber/Lyft has a liability coverage service in place to aid you if you were wrongfully injured in an accident while using the rideshare service. The compensation available to you will depend on when and how the accident was caused. This system is broken down into “periods,” and reads as follows:

  • Period 0: when the rideshare driver causes an accident when they are not yet logged into the rideshare app, Uber/Lyft will not provide liability coverage. Instead, you should sue the negligent driver’s insurance company.

  • Period 1: When the rideshare driver causes an accident when they are logged into the rideshare app but have not yet accepted a ride, Uber/Lyft will provide liability coverage for up to $50,000 per person injured in the accident, $100,000 total injury liability per accident, and $25,000 property damage liability.

  • Period 2: When the rideshare driver causes an accident when they have accepted a ride and are on the way to pick up a passenger, Uber/Lyft will provide up to $1 million in liability coverage.

  • Period 3: When the rideshare driver causes an accident while a passenger is in the car, Uber/Lyft will provide $1 million in liability coverage, limited coverage for damage to the driver’s car, and uninsured motorists’ coverage.

With that being said, it is in your best interest to contact a knowledgeable Kaufman, Texas personal injury attorney today.

Contact Our Kaufman County Firm Today

For vigorous defenses for personal injury, criminal, divorce, or estate planning matters, contact Harrell & Paulson, LLP today to schedule your free case evaluation.