Working Phases and How They Impact Insurance Coverage After Rideshare Accidents in Texas

Whether a driver is offline, waiting for a ride, or actively transporting a passenger, the working phase of the rideshare driver greatly influences the insurance implications and potential recoverable damages in the event of an accident. By consulting attorney Chaile Allen, you can better understand your legal options and what compensation you may recover for the damages you suffered. 

From medical bills to emotional suffering, recovering the full extent of the damages you sustained due to negligence is essential for your recovery. At The Law Firm of Chaile Allen, Chaile handles all aspects of your case, including obtaining evidence of the rideshare driver’s working phase status and negotiating with insurance entities on your behalf. 

What Are Working Phases Related to Rideshares?

Uber and Lyft have specific insurance policies that hinge on the status of the driver at the time of an accident, which include the following: 

Driver Is “Offline”

If a driver is “offline,” this means he or she is not actively working for Uber or Lyft during the accident. In these cases, Uber or Lyft cannot be sued for damages resulting from the accident. Instead, the incident is treated like any other car accident where the claim is made against the driver who is responsible.

Driver Is Waiting to Give a Ride 

When a driver is logged into the Uber or Lyft app but hasn’t yet accepted a ride request, he or she is considered to be waiting for a ride. During this waiting period, both Uber and Lyft provide coverage that includes up to $50,000 per person injured (with a total of $100,000 per accident) and $25,000 for property damage.

Driver Has Accepted a Ride Request or Transporting a Rider  

Once a rideshare driver accepts a request or is in the process of transporting a rider, Uber and Lyft’s coverage significantly increases. Both companies provide a $1 million insurance policy that covers accidents during these times, even if the passenger is not yet in the vehicle when the accident occurs.

Recoverable Damages in a Rideshare Accident Claim 

If you’ve been involved in an accident with a rideshare vehicle or are an injured passenger, you may be entitled to compensation for a range of damages, such as:

• Medical Expenses: These cover all health-related costs stemming from the accident, including surgeries, physical therapy, medication, and any required rehabilitation.
• Lost Wages or Earning Capacity: You may recover this if your injuries have resulted in missed work or reduced your ability to earn a living in the future.
• Pain and Suffering: These damages compensate for the physical pain and emotional trauma sustained due to the rideshare accident. Assessing pain and suffering is complex, as it involves considering the severity and ongoing impact of your injuries.
• Property Damage: If your personal vehicle or any personal property was damaged in the rideshare accident, you could receive compensation to cover repair or replacement costs.
• Loss of Enjoyment of Life: Injuries can often prevent victims from enjoying daily activities and hobbies they once found pleasurable. Compensation for loss of enjoyment reflects the reduced quality of life you may experience post-accident.

Legal guidance is essential, and attorney Chaile Allen is experienced in rideshare accident claims and will help you navigate complex Uber and Lyft insurance policies to ensure your rights are fully protected.

Speak with the Rideshare Accident Lawyer at The Law Firm of Chaile Allen 

At The Law Firm of Chaile Allen, you receive personalized, compassionate legal support. Chaile Allen understands the unique challenges of rideshare accidents and is dedicated to achieving the best possible outcomes for her clients.

The Law Firm of Chaile Allen provides effective legal representation and strong community ties, which have driven organic growth through referrals from satisfied clients and respected community leaders. Let Chaile Allen handle your rideshare accident claim with the dedication and attention it deserves. Call us at (325) 670-9282 or visit the contact form to schedule a consultation.