Award Winning Houston Uber & Lyft Ride Share Accident Lawyer

You definitely do.

If you happen to fall victim to an Uber or a similar ride-share car accident then the lawyers at Adley Law Firm are here to help. Our lawyers are skilled in ride-share car accidents and have experience in handling ride-share cases.

The minimum amounts of insurance coverage for the Uber/Lyft bill are:

Uber Car Accidents When On The App But Not Carrying A Passenger:

• For death and bodily injury, primary automobile liability coverage of at least $50,000 per person;
• For death and bodily injury, primary automobile liability coverage of at least $100,000 per incident;
• PDL coverage of at least $25,000 per incident; and,
• PIP and uninsured/underinsured motorist (UIM) coverage as required by law.

Uber Car Accidents When Driving A Passenger:

• Primary automobile liability coverage of at least $1 million for death, bodily injury and property damage; and,
• PIP and UIM coverage as required by law.
• Uber and Lyft Ride-Share Insurance

Uber and Lyft are required by the state to provide a minimum insurance coverage according to the HB221 bill. In the event of an accident the insurance coverage plans for Uber and Lyft are similar but differences rely on different situations of app usage and the status of the ride.

When The Ride-Share App is Off And Inactive

When the ride-share app is off and inactive it is up to the driver to use their own insurance plan in the event of an accident. It is also required for the drivers that utilize Uber and Lyft to have their own insurance plans in case of an accident.

When The Ride-Share App is On And The Driver is Idle and Waiting For a Ride Request

If a driver gets into an accident while actively searching for a ride request and it is their fault then the ride-share service insurance will cover liability damage with $50,000 for injuries per person and $100,000 total for the accident with $25,000 for property damage.

However, this coverage only applies if the drivers insurance does not equal or exceed a greater level of coverage. The drivers personal insurance company is liable of any damages like collision damage to the car, medical expenses caused by injuries, and any lost wages due to the accident and/or injuries sustained from the ride-share accident.

It should be noted that many freelance drivers prefer to get their own ride-share insurance plan because they are covered by their insurance company in the event of an accident.

When The Driver Accepts a Ride Request And is in Route or From When The Passenger Gets in The Vehicle To When They Exit

The ride-share app provides coverage for both the driver and the passenger from the moment the driver accepts the riders request, when in route to the destination, and when the passenger arrives to their destination. Both Uber and Lyft provide third party liability coverage of at least 1 million dollars per accident involving damages to other drivers, pedestrians, passengers, and property.

Uber and Lyft also provide bodily injury coverage to uninsured or underinsured motorist drivers of at least 1 million dollars. The insurance coverage covers anyone in the vehicle when another motorist is at fault and does not have insurance or does not have enough insurance to cover the damages. The insurance also covers hit and runs.

If a driver has insurance that covers collision accidents, they are then eligible for contingent collision and comprehensive coverage. The limit of this coverage is up to the cash value of the vehicle with a $1,000 deductible.

Drivers and consumers will not lose access to Uber or Lyft services if they make a claim so there is no need to worry. 

Uber and Lyft use large insurance companies to cover any claims so that the claims do not impact them in anyway. They also pay a portion of each fare directly to their insurance company to avoid any damage to the company. 

If your claim is valid, documented properly by the authorities, such as police, ambulance, fire rescue, and medical doctors, then it will be given the respect it needs. 

Uber, Lyft and other similar ride-share companies are driven by freelance drivers. Each driver has a background check ran to ensure the passengers are in safe hands.