Were you involved in an accident with a Lyft driver? Rideshare collisions can be just as dangerous and life-altering as any other car crash. But the process of dealing with insurance, liability, and compensation can often make these situations feel more complicated than usual.
The aftermath of a Lyft-related accident can leave you feeling confused and overwhelmed, but help is out there. All you need to do is reach out to our San Antonio Lyft accident lawyers. With us by your side, you can rest easy knowing we’ll advocate for your rights at all times.
As your San Antonio rideshare accident lawyer, we will fight to get you the compensation you need to move forward. At Omega Law Group Accident & Injury Attorneys, we have decades of experience recovering millions of dollars in compensation for victims like you. We’re here to help.
Lyft’s Insurance Coverage in Texas
Lyft’s insurance works in layers, and those layers depend entirely on what the driver was doing when the crash happened. This is why insurance coverage is not a one-size-fits-all situation.
There are four layers, which hinge on whether the driver was or was not:
- Logged into the app
- Waiting for a ping
- Heading to pick someone up
- Actively on a ride
Each situation triggers a different level of insurance. Your San Antonio car accident lawyer will explain how insurance coverage works in your case, but in the meantime, let’s break down the four layers of a Lyft car ride.
1. The App is Turned Off at the Time of the Incident
No Lyft coverage is available here. If the driver’s not logged in, so Lyft is out of the picture. You’re dealing with the driver’s personal car insurance just like you would in any regular wreck.
In Texas, the legal minimum coverage is $30,000 for injuries to one person, $60,000 total for injuries per crash, and $25,000 for property damage. That’s not a lot, and it can get used up fast in anything more than a fender-bender.
2. The App is Turned On, But No Ride has Been Accepted When the Collision Takes Place
The time when the driver is waiting for a ride request is a gray area. Lyft steps in with a backup policy called contingent liability, and it only kicks in if the driver’s own policy doesn’t cover the crash or isn’t enough.
At this stage, Lyft offers up to $50,000 per injured person, $100,000 per accident, and $25,000 for property damage.
3. The Driver has Accepted a Ride and is On the Way to Pick Someone Up
Now we’re into the big coverage. Once a ride is accepted, Lyft provides up to $1 million in liability insurance. That covers injuries and property damage if the driver causes a crash on the way to the pickup.
4. There is a Passenger in the Car Being Transported
If the crash happens at this stage, the same $1 million policy applies. Being injured during an active trip, whether you’re in another car, walking across a crosswalk, or sitting in the backseat, means this is the coverage that matters.
The point is that the driver’s status is critical. That’s what decides whether you’re dealing with personal insurance, limited coverage, or full commercial coverage. It’s not always easy to tell what “period” the driver was in without digging into the app data or Lyft’s records, but it can make or break your claim.
Why You Should Let a Lyft Accident Attorney in San Antonio Help You Determine Fault in Your Case
Texas upholds modified comparative fault rules statewide, so if you’re more than 50% at fault for the collision, you will likely receive nothing in terms of compensation. However, if you’re less than 50% at fault, your payout will only be reduced by your percentage of responsibility.
Let’s say you’re 20% at fault for the crash. In that case, your damages will likely be cut by 20%. However, with Lyft accidents, fault can be shared among multiple parties. For instance, maybe the Lyft driver was speeding, they failed to yield, or another driver hit the Lyft vehicle.
No matter the exact details of your situation, it’s often far more complicated when a Lyft driver is involved. That’s why reaching out to a personal injury lawyer is important. Your San Antonio Lyft accident attorney can help you identify the at-fault parties and work toward holding them accountable.
(310) 526-8383How Long Do You have to File a Claim with Your Lyft Accident Attorney in San Antonio?
In Texas, the statute of limitations for personal injury claims is two years from the date of the crash. As soon as the collision takes place, the clock starts ticking. If you don’t settle your case or file a lawsuit within those 24 months, you could lose your chance to recover compensation.
There are exceptions, such as if the injured person is a minor or if your injuries weren’t immediately obvious. But for many people, that two-year window applies to their case. And time moves fast when you’re recovering, dealing with bills, or waiting on responses from insurance companies.
That’s why it’s important to reach out to a personal injury lawyer in San Antonio as soon as you can. When you contact an attorney immediately after the crash, your legal counsel can start working on your case right away and lower your chances of missing the deadline.
Reach Out to Our Lyft Accident Lawyers in San Antonio to Find Out What We Can Do for Your Personal Injury Case
If you or someone you care about was hurt in a Lyft accident, we know you’re dealing with a lot right now. These situations are often stressful, confusing, and frustrating. But you don’t have to deal with the aftermath all by yourself.
Instead, turn to Omega Law Group. Our San Antonio Lyft accident attorneys are ready to take on your case and fight to protect your rights every step of the way. You deserve real answers, real support, and real results, and we’re here to work toward all of that with you.
Don’t wait to reach out. The sooner you contact our San Antonio Lyft accident law firm, the sooner we can start taking action to hold the at-fault parties accountable. Let our family take care of your family.
