Accidents during Uber or Lyft rides are more complicated than a normal crash, because the insurance depends on the phase of the trip. We help you navigate that.
trip phases determine which insurance applies in an Uber or Lyft accident in Texas, which is why these cases require knowing exactly what happened and when.
Local context: Across the Rio Grande Valley, CLF handles cases in McAllen, Mission, Pharr, Edinburg, Brownsville, and the other cities of Hidalgo and Cameron counties, with a team that speaks your language.
The first thing you should know
If you were hurt in an Uber- or Lyft-related accident, the insurance that applies depends on the phase of the trip: whether the app was off, the driver was waiting for a ride, or was already carrying a passenger. Each phase has different coverage, which is why you want a personal injury lawyer who knows which policy responds.
Insurance by trip phase
In Texas, insurance coverage changes based on which phase the rideshare driver was in:
App off: the driver's personal insurance applies.
App on, waiting for a ride: limited platform coverage.
Ride accepted or passenger aboard: higher Uber/Lyft coverage (up to $1 million).
What happens based on who you were
Your situation changes depending on whether you were the Uber/Lyft passenger, a pedestrian hit by one, or the driver of another vehicle. As a passenger, you almost always have the right to claim. As a third party, who was at fault comes into play.
In all cases, you must correctly identify which policy applies, and that is where many claims get complicated without help.
Why these cases are more complex
A rideshare accident can involve the driver, the platform (Uber or Lyft), the driver's personal insurer, and other parties. Each will try to make another pay. Without someone to sort out that tangle, it is easy to end up without the compensation you deserve.
We identify all available coverage and fight so none of it slips away.
What to do after a rideshare accident
The in-app trip evidence is key, save it:
Screenshot the trip in the app (date, time, driver).
Get medical care and a police report.
Take photos of the scene and vehicles.
Do not accept a quick settlement from any insurer.
Keep everything related to the trip.
How Carreras Law Firm helps
We determine which trip phase applies, identify all available policies, and deal with the platforms and their insurers so they do not leave you without compensation. We handle your case in Spanish.
We charge nothing unless we win. The consultation is free and with no obligation.
Screenshot the trip in the app
Proof of which phase the trip was in is usually in the app. Take screenshots as soon as possible, because that record defines which insurance applies.
