Uber/Lyft Attorneys: Which Insurance Policy Pays After a Rideshare Accident in Laredo TX?

If you’ve been involved in an Uber or Lyft accident in Laredo, Texas, determining insurance responsibilities can be confusing and overwhelming. Because rideshare companies use a tiered insurance structure, coverage depends on what the driver was doing at the time of the accident.

Speaking with a qualified attorney as soon as possible can help protect your claim and clarify which insurer is responsible for the losses you’ve suffered. Rideshare app accidents require close attention to documentation, timing, and complex statutes under Texas law. Your lawyer can help you review the details of the crash, investigate driver activity, and help you navigate the complexities of rideshare insurance, so you get the maximum payout you deserve.

Under this tiered insurance structure, companies like Uber and Lyft apply different policies based on the driver’s status on their apps at the time of your accident, which can make a significant impact on filing a rideshare accident insurance claim in Texas.

These insurance requirements are outlined under the Texas Transportation Code. The three main relevant categories are as follows:

• Driver offline: only the driver’s personal auto insurance applies
• Driver online, no ride accepted: limited liability coverage from the driver’s insurance company
• Driver online, passenger accepted, or rider in vehicle: the ride-share company must provide its highest coverage limits, which may include liability insurance, uninsured motorist coverage, and contingent comprehensive or collision coverage.

All of these standards are clearly outlined in state law, which outlines insurance requirements for rideshare drivers.

If you’ve been injured in a crash, a Laredo Uber accident lawyer will help you navigate these complex layers of coverage to fight for your rights, determining whether the rideshare’s policy or driver’s personal insurance is most responsible for the damages you’ve incurred.

Working alongside you, your local lawyer will consider evidence such as driver’s logs, app data, GPS records, and communication with insurers to determine which coverage applies in your case. Unfortunately, in some collisions involving multiple insurers, they will try to argue that another party is responsible.

That’s why working closely with a Lyft accident attorney in Laredo TX is so important. They can review evidence, access trip data directly from rideshare apps if necessary, and evaluate combined coverage layers, including liability coverage and uninsured/underinsured motorist protection, to make sure your rights are protected in any settlement.

Even before you begin your legal battle, taking quick action after you’ve been involved in a rideshare accident is a meaningful way to set the stage for success in the courtroom. When an accident occurs:

• Document the scene, taking photographs and collecting witness information
• Seek immediate medical care to document any injuries
• File an internal report with the rideshare company involved
• Avoid making any premature statements to insurers
• Contact a qualified attorney immediately

Taking these steps will protect your rights and ensure your Texas attorney has the best chance to secure you a favorable settlement that reflects the real-world circumstances of your case.

With an established track record of success in rideshare accidents, the Laredo personal injury attorneys at Carabin Shaw are here to help you get the justice you deserve. Read our law firm’s client reviews to see how we’ve helped victims just like you secure their rights in the wake of a life-changing accident. We’re proud to offer a free consultation before we begin working together, so you can get a complete sense of your legal options. Once you decide to let us represent you, we offer our services on a contingency-fee basis so you won’t have to worry about payment until we win your case.

If you’re ready to fight back, get in touch 24/7 at 1-800-862-1260. Our phone lines are monitored by our compassionate staff of English and Spanish-speaking professionals, and someone is always available to take your call. You deserve justice. Carabin Shaw is here to get the job done.

For more information:

• Texas Statutes - Insurance Code
• Texas Statutes - Ocupations Code