Did an Uber or Lyft Driver Cause My Car Accident?
The evidence for your crash can help determine whether an Uber or Lyft driver may be at fault for it. Some evidence that can help in fault determinations for Uber and Lyft car accidents can include (and is not limited to):
- The police accident report
- The accident scene photos
- The crash debris
- Witness statements
- Cellphone records
- Red light camera photos or footage
Our Houston Uber and Lyft accident attorneys can gather and analyze all available evidence for your crash to help you determine every party who is at fault for it. We can also help you figure out whether Uber’s or Lyft’s insurance covers your car accident—and, if so, help you take the right steps to get the compensation you may deserve.
What Type of Car Accidents Does Uber Insurance Cover?
Uber’s insurance coverage will depend on the Uber driver’s “status” at the time of the crash. Here’s a look at how insurance coverage varies depending on driver status:
- Off-duty Uber drivers: Uber insurance does not provide coverage. The only coverage for crashes that happen when Uber drivers are off-duty is the driver’s own personal auto insurance. requires a minimum of 30/60/25 coverage.
- On-duty Uber drivers waiting for a ride: Uber has contingent coverage for accidents that happen when drivers are on duty (signed into the app) and waiting for a ride request. This coverage can come into play if a driver’s personal insurance doesn’t cover the accident. It offers:
- $50,000 of coverage for bodily injuries (per person)
- $100,000 of coverage for bodily injuries (per accident)
- $25,000 of coverage for property damage (per accident)
- On-duty Uber drivers en route to pick up a rider and transporting a rider: Uber’s $1,000,000 of third-party liability coverage would apply for any covered accidents that happen when drivers are on-duty and on their way to pick up or drop off riders. This includes coverage for hit-and-run accidents, as well as accidents caused by uninsured or underinsured motorists.
Here are more details about Uber insurance, along with certificates of insurance by state.
What Type of Car Accidents Does Lyft Insurance Cover?
Lyft’s insurance coverage works the same way as Uber’s insurance coverage, providing:
- No coverage when drivers are off-duty and not logged into the app
- Contingent coverage, with the same limits as Uber’s policy, when drivers are on duty (logged into the app) and waiting for a ride request
- $1,000,000 in third-party liability coverage when drivers are on duty and are en route to pick up a rider or are transporting a rider
Here are more details about Lyft’s insurance, along with certificates of insurance by state.
When it comes to insurance coverage for Uber and Lyft accidents, it’s crucial to remember that:
- Just because an insurance company says it provides coverage in certain situations does NOT mean that insurer will honor the coverage when a claim is filed.
- Insurance companies are NOT on your side after an accident. They are looking out for their bottom line, which usually means trying to avoid making any or full payouts to accident victims.
- Our experienced Houston Uber and Lyft accident attorneys can help you navigate the complexities of these cases and deal with insurance companies when it’s time to recover.
I’m an Uber or Lyft Driver Hurt in a Crash. Can I File a Car Accident Lawsuit?
You will likely have legal options for filing a car accident lawsuit IF another party was primarily at fault for the crash. In other words, if you are no more than 49% at fault for the accident, you can file a case under Texas law.
Depending on how the accident happened and your driver status at the time of the crash:
- Multiple parties may be at fault for the accident: This could include other motorists on the road, including commercial truck drivers, FedEx drivers, UPS drivers, and more. It may even include companies other motorists work for, the parties responsible for maintaining safe roads, and others.
- There may be multiple insurance companies to deal with: Each of these insurers may use sly tactics to try to deny a claim or reduce its value.
The best way to find out more about your options and a potential claim after an Uber or Lyft accident is to contact our Houston lawyers for a free, zero-obligation case evaluation. A call or an email can be an easy first step to learning more about your rights and seeking the justice you may deserve.
Compensation for Uber & Lyft Car Accident Victims
When Uber and Lyft accident cases are successful, victims can secure compensation for the injuries, pain, suffering, and losses caused by the crash. Specifically, this means that financial recoveries for Uber and Lyft accidents can include damages for (but not limited to):
- Medical bills: This can include past and future medical bills, like emergency treatments, surgeries, hospitalizations, medications, and more.
- Lost earnings: This can include past and future lost wages, bonuses, commissions, benefits, and more.
- Property damage: This refers to the costs associated with repairing or replacing property wrecked in the crash, like vehicles and personal possessions.
- Pain and suffering: This refers to the mental anguish victims have and will continue to suffer as a result of the accident.
While these damages may never reverse the losses caused by serious wrecks, the recoveries from these cases can help victims focus on healing.