Guide to Uber and Lyft Insurance Coverage for Injured Victims

As popular transportation services continue to grow, so does the frequency of accidents involving Uber and Lyft vehicles. Whether you’re a passenger injured during a ride, a rideshare driver involved in a collision, or a pedestrian hit by a rideshare vehicle, understanding your rights and the insurance claims process makes a significant difference in your recovery journey. 

Depending on the status of the rideshare vehicle, if en route or offline, Uber or Lyft’s $1 million liability coverage may apply. However, these types of claims are complex, as drivers are generally independent contractors and may not fall under a rideshare company’s coverage. The Law Firm of Chaile Allen is here to help you hold the liable parties accountable for your injuries.

Guide to Uber and Lyft Insurance Coverage for Injured Victims

Both Uber and Lyft drivers must have liability insurance that meets the minimum state requirements. In addition to this personal insurance, Uber and Lyft offer their own insurance coverage that activates when drivers turn on the app. If you’ve been injured in an accident caused by an Uber or Lyft driver, consulting Chaile Allen can help determine which insurance policy applies.

Uber and Lyft Insurance Coverage Overview

It is essential to understand the following ride status’ as it relates to your rideshare accident claim: 

• • Offline Period: When the driver is not using the app, only the driver’s personal insurance applies.
  • Available for Requests: When the driver is logged into the app but not yet matched with a rider, Uber and Lyft provide contingency liability coverage.
  • During a Ride: Once a driver has accepted a ride request or has a passenger in the car, Uber and Lyft offer extensive primary liability insurance.

If you were waiting for a ride request, the driver’s insurance coverage may not apply, Uber and Lyft provide third-party liability coverage with the following limits:

• • Bodily injury: $50,000 per person
  • Bodily injury: $100,000 per accident
  • Property damage: $25,000 per accident

By understanding these insurance policies, injured victims can better navigate their options and pursue the compensation they deserve. If you were harmed in a rideshare accident, Chaile is here to help you determine the appropriate coverage and guide you throughout the claims process.

Motorist Insurance Coverage Minimum in Texas 

In Texas, all motorists are required by law to carry a minimum amount of auto insurance to ensure financial responsibility in an accident. The state mandates specific liability coverage limits to protect both the driver and other parties involved in a collision. This is especially important in rideshare accident claims, as Uber and Lyft’s liability coverage may not apply in certain situations. 

The minimum liability insurance coverage requirements are often referred to as “30/60/25” coverage. This means that drivers must have at least the following amounts of coverage:

• • $30,000 for Bodily Injury per Individual: This covers medical expenses for one party injured in an accident caused by the policyholder.
  • $60,000 for Bodily Injury per Accident: This covers medical expenses for all individuals injured in a single accident, up to a total of $60,000.
  • $25,000 for Property Damage per Accident: This covers repair or replacement costs for property in an accident caused by the policyholder.

While these are the minimum required amounts, they may not always be sufficient to cover the full extent of damages in a serious collision. Therefore, it is advisable for motorists to consider purchasing higher limits or additional coverage, such as uninsured/underinsured motorist protection, collision, and comprehensive coverage, to provide greater financial security.

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

If you’ve been injured in a rideshare accident, understanding which policy applies, whether it’s the driver’s personal insurance or the rideshare company’s coverage, is critical to securing the compensation you deserve. At The Law Firm of Chaile Allen, we are here to help you every step of the way. As a small, local firm, we have focused knowledge on handling these types of claims in Abilene, ensuring our clients recover the maximum compensation for injuries, medical bills, lost wages, and other damages.

We will investigate your case, determine the applicable insurance coverage, and negotiate aggressively on your behalf. Don’t let the confusion of insurance claims delay your recovery. Contact us for a free consultation by calling (325) 670-9282 or filling out our contact form.