Corpus Christi Uber & Lyft Accident Lawyers
We Support Rideshare Accident Victims—Call Us Any Time to Learn How
Ridesharing can be more convenient than owning a car, but it’s unfortunately
not any safer. While public transportation requires special licensing
for operators, most anyone can drive for Uber or Lyft. Even if your driver
has a clean record, they can get hit by someone else who isn’t following
If you were injured in an accident while riding in an Uber or Lyft, understanding
the legal implications can be complex. However, you shouldn’t let
that stand in your way of filing for compensation. Our attorneys can help
you put together a claim and will stand strong if Uber or Lyft challenges
your right to a settlement.
Contact our Lyft and Uber collision attorneys in Corpus Christi through our message form or via phone at (361) 238-2789. If you can’t come to our office,
we’re happy to come to you.
How Do Uber & Lyft Accidents Differ from Typical Collisions?
Most drivers know what to do when they’re hit by another vehicle.
However, what happens if you’re a passenger at the time of an accident?
Do you still have the right to compensation? The answer is yes—and
we can help you through the process of filing an accident claim. As a
rideshare accident victim, you should be prepared for an insurance process
that looks different than what you’d go through after a regular
car accident. It may involve making multiple claims or going up against Uber or Lyft
themselves. Our attorneys are prepared to take on these cases, no matter
how complex, because we know how important receiving compensation is after
Commercial Drivers & Insurance
Most insurance policies offered to consumers only cover personal use of
your car. That’s fine if you’re not using your car for ridesharing,
delivery, or a similar gig. However, the minute your car becomes the vehicle
for your earnings, a personal policy no longer applies.
Insurers have created new single-proprietor commercial insurance policies
in response to the increase in ridesharing, but they’re not mandatory.
They’re also an additional expense—so few drivers choose to
purchase them. Determining whether a driver has one of these policies
is nonetheless your first step after an accident. If they don’t,
liability for any accident they caused will sit with Uber or Lyft.
How Uber & Lyft’s Insurance Works
The first thing to know about Uber and Lyft’s insurance policies
is that they only apply to drivers who are actively working. The second
thing to know is that they’re excess policies, meaning if you can
file for compensation against any other parties (such as your driver’s
commercial insurance policyholder), the companies will only pay for expenses
that exceed policy maximums.
This means you’re likely to end up filing more than one insurance
claim if you were seriously injured. Doing so is important because it
can help you receive the compensation you need. However, it’s another
complication injury victims usually don’t want to deal with on their own.
How Much Insurance Do Uber and Lyft Carry?
If you do need to make a claim against Uber or Lyft’s insurance,
you will need evidence of the driver’s activity at the time of an
accident. For drivers who are involved in collisions while they are marked
as “available” and looking for ride requests, both companies provide:
- $50,000 per person in bodily injury
- $100,000 per accident in bodily injury
- $25,000 in property damage per accident
For someone who is injured by a driver who has accepted a ride request
and is on their way to pick up or actively transporting a passenger, the
- $1,000,000 per accident
- Uninsured/underinsured motorist coverage
Therefore, having solid proof you were either a passenger in an active
ride or hit by a driver who was fulfilling a request is important. Your
rideshare app receipts and/or the driver’s app history can show
if this was the case.
For an Uber or Lyft that was hit by another, non-rideshare driver, you,
your driver, and any other passengers will probably all be making claims
against that individual’s insurance. They don’t need to have
special commercial insurance so long as they aren’t driving for
hire. However, their personal insurance limits may not be enough to cover
multiple injuries, especially if they’re serious. In a worst-case
scenario, they may be one of the 14% of Texans who don’t carry auto
insurance at all.
This is where Uber or Lyft’s uninsured & underinsured motorist
coverage would kick in for their drivers and passengers. Even if your
driver didn’t cause the accident, if you were a paying passenger,
you do have the option to recover through the companies’ insurance
policies in these cases.
Shared Liability in Rideshare Accidents
Sometimes an accident isn’t caused by one negligent driver. If your
driver was partially, but not fully, at fault, you are likely eligible
to file claims against their insurance and against any third party whose
negligence contributed to the accident. If your Uber or Lyft driver has
a commercial insurance policy, your claim against them will start there.
Shared liability claims are always complex, but when they involve both
commercial and personal insurers, the rules may be difficult to keep track
of on your own. Our experienced attorneys know how to navigate the claims
process no matter who is on the other end. We can take over the work of
filing and advocate for you, so your needs aren’t ignored.
Call Our Rideshare Accident Attorneys for Help
Your path to receiving compensation will depend on the circumstances of
your case. If you’re not sure where liability rests or how to go
about making a claim, we invite you to reach out to our team. We provide
free consultations and same-day meetings to accident victims. Our biggest
goal is to help you understand your options and choose the best path,
no matter how big or small your accident is.
Bandas Law Firm is known for our personalized service and attention to
detail in all cases. We’re always available to take your questions
and when you call, you’ll speak directly to your attorney. After
more than 15 years of working with car accident victims, we understand
what you are going through. Our team is here to help you through the claims
process so you can dedicate your time and energy to recovering.
Call (361) 238-2789 24/7 or send us your information today for a free case evaluation. Whether your case is big or small, our
Corpus Christi rideshare accident team is here to help you.