Injured in an Uber or Lyft Accident? What Texas Riders Need to Know About Rideshare Insurance
Injured in an Uber or Lyft Accident? What Texas Riders Need to Know About Rideshare Insurance
Rideshare companies deny claims unless the right insurance triggers are met — here’s how to protect your case.
Rideshare Accidents Are Legally Complex
Uber and Lyft have become part of daily life in Montgomery County — especially in The Woodlands area. But when a rideshare crash causes injuries, the insurance situation becomes far more complicated than a regular car wreck. Who pays depends on what stage of the ride the driver was in at the moment of the crash.
Which Insurance Applies?
Here’s how coverage works under Texas law:
- Driver Offline: Only the driver’s personal insurance applies.
- App On, No Passenger: Uber/Lyft provides limited liability coverage.
- Passenger in Vehicle: Up to $1 million in liability + uninsured motorist coverage may apply.
The key is proving the driver was actively logged into the platform or transporting a rider when the crash happened.
How Rideshare Companies Fight Claims
These corporations are notorious for finger-pointing:
- The driver blames another vehicle
- Uber/Lyft claims the driver wasn’t “on the app”
- Insurance companies argue injuries are “pre-existing”
We obtain app and GPS data to prove the correct insurance should pay — and pay fully.
Common Rideshare Injuries We See
- Neck and back trauma from sudden braking
- Traumatic brain injuries
- Fractures from side-impact collisions
- Anxiety and trauma from violent crashes
These injuries can prevent you from working and require long-term care — all recoverable damages.
Why You Should Call a Lawyer Immediately
Time matters. Rideshare companies control the critical digital evidence — and it can disappear fast. We send immediate legal demands to preserve:
- Driver status logs
- Location and speed data
- Ride receipts and timestamps
- Dashcam footage, if available