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Texas Uber & Lyft Accident Lawyer
Accidents involving Uber or Lyft have unique insurance challenges. We know how to pursue all available avenues for your compensation, fighting for victims in Houston, Austin, San Antonio, and the Rio Grande Valley.
Navigating Complex Rideshare Insurance
After a wreck involving a rideshare vehicle, figuring out whose insurance pays for your damages can be a nightmare. The driver’s personal auto policy will almost certainly deny the claim if they were working. Uber and Lyft provide coverage, but it changes depending on the driver’s status at the exact moment of the crash.
Whether you were a passenger in a Lyft on I-35 in Austin, or your car was hit by an Uber driver in Houston, you need an attorney who understands these specific rules. Injury Attorney Chris Sanchez fights to ensure the correct policies are held accountable for your injuries.
Insurance Coverage Depends on the Driver’s Status:
- ✓ On a Trip: If you were a passenger or the driver was en route to a pickup, Uber/Lyft’s $1 million liability policy applies.
- ✓ Waiting for a Request: If the driver was logged in but waiting, a lower-limit contingent policy applies.
- ✓ App is Off: The driver’s personal insurance is responsible, but may try to deny the claim.
We Represent All Victims of Rideshare Accidents
Our firm provides relentless representation for anyone harmed by a negligent rideshare driver, including:
Rideshare Passengers
Passengers injured in a crash caused by their Uber/Lyft driver or another motorist.
Drivers of Other Vehicles
Motorists who are struck and injured by a negligent Uber or Lyft driver.
Pedestrians & Cyclists
Vulnerable road users who are hit by a rideshare vehicle.
Our Texas Law Offices
From our offices in McAllen, San Antonio, and Houston, we provide local, dedicated representation with the resources of a statewide firm, ready to fight for rideshare accident victims across Texas.
Contact a Texas Rideshare Accident Lawyer Today
Don’t try to navigate a complex rideshare claim alone. Get the relentless representation you need to fight for your rights. Contact us now for a 100% free and confidential consultation.
Rideshare Accident FAQ — Texas Uber & Lyft Claims
What should I do immediately after an Uber or Lyft accident in Texas?
Call 911 so the accident is documented in an official police report — critical for rideshare insurance claims. Seek medical attention even if you feel fine. Screenshot the Uber or Lyft app showing the active trip, driver name, and vehicle. Photograph the scene and all damage. Do not accept any payment from the driver and do not speak to any insurer before consulting a Texas rideshare accident lawyer.
Who pays for injuries in a Texas Uber or Lyft accident?
Liability depends on the coverage period. Period 1 (app on, no ride accepted): Uber/Lyft provide contingent coverage of $50,000 per person / $100,000 per accident / $25,000 property damage. Period 2 (match accepted, en route) and Period 3 (passenger in vehicle): Uber and Lyft both provide $1,000,000 in third-party liability coverage. The driver’s personal auto policy may also apply and both policies sometimes must be pursued simultaneously.
Does Uber or Lyft’s $1 million insurance cover me as a passenger?
Yes. Both Uber and Lyft maintain $1,000,000 in third-party liability coverage during Periods 2 and 3. This coverage is primary and applies before the driver’s personal insurance. However, Uber and Lyft classify drivers as independent contractors and their legal teams aggressively dispute whether a trip was “active” at the time of the accident. A rideshare accident lawyer preserves the app records and GPS data needed to establish which period applied.
Can I sue Uber or Lyft directly for my accident?
Suing Uber or Lyft as a corporate defendant is difficult because Texas courts generally shield rideshare companies from vicarious liability for their independent contractor drivers. However, direct negligence claims are viable when the company negligently retained a driver with a dangerous driving history, failed to conduct adequate background checks, or had prior notice of unsafe behavior. Chris Sanchez investigates driver records and company data to identify all viable claims.
How long do I have to file a rideshare accident claim in Texas?
Texas has a two-year statute of limitations for personal injury claims under Tex. Civ. Prac. & Rem. Code § 16.003, measured from the accident date. However, GPS trip data, app logs, and driver records are deleted on rolling schedules by Uber and Lyft. Preservation letters and litigation holds must be sent immediately. Do not wait to contact a Texas rideshare accident attorney.
What damages can I recover after a Texas Uber or Lyft accident?
Recoverable damages include past and future medical expenses, emergency care, lost wages and earning capacity, pain and suffering, mental anguish, physical impairment, and disfigurement. In cases involving gross negligence — such as a driver under the influence — exemplary (punitive) damages are available under Tex. Civ. Prac. & Rem. Code § 41.003. The $1 million policy limits make full-value recoveries achievable in serious injury cases.
What if I was a pedestrian or cyclist hit by an Uber or Lyft driver?
Pedestrians and cyclists have the same rights as passengers and other motorists. If the driver had the app on in Period 1 (no active ride), Uber and Lyft’s contingent coverage still applies. In Periods 2 or 3 (active trip), the $1,000,000 policy is available. Chris Sanchez represents pedestrians and cyclists injured by rideshare drivers throughout Texas.
Should I accept the settlement offer from Uber or Lyft’s insurance company?
No — not without first consulting a rideshare accident attorney. Initial offers from Uber and Lyft insurers are designed to close claims quickly for less than full value. Once you sign a release, you cannot seek additional compensation even if injuries worsen. Chris Sanchez reviews all settlement offers at no charge and advises whether the offer reflects the true value of your case.
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Cities We Serve in the Rio Grande Valley
Chris Sanchez handles cases throughout South Texas. He litigates regularly in Hidalgo, Cameron, and Starr County District Courts. No matter where your accident happened in the Rio Grande Valley, we can help.