Were you involved in an accident with an Uber driver? Rideshare car collisions can be just as serious as any other type of crash, but the circumstances can be further complicated by matters like talking to insurance companies and proving liability in your case.
As a result, the aftermath of your situation can feel even more overwhelming. However, if you’ve been hurt in an Uber-related crash, you don’t have to go through this challenging time all on your own. Instead, let a San Antonio Uber accident lawyer support you along the way.
At Omega Law Group Accident & Injury Attorneys, we can represent you as your San Antonio rideshare accident lawyer. We have decades of combined experience recovering millions of dollars on behalf of personal injury victims just like you. We’re here to help.
Understanding Uber’s Insurance Coverage in Texas
Uber’s insurance coverage in Texas depends entirely on what the driver was doing at the time of the accident. There are different levels of insurance based on whether the driver was actively picking someone up, had a passenger in the car, or wasn’t even logged into the app.
Your San Antonio car accident lawyer will likely explain this information to you. However, it doesn’t hurt to familiarize yourself with the following details regarding Uber insurance coverage in Texas.
When the App is Turned Off
If the Uber driver isn’t logged into the app, they’re just another driver on the road. That means their personal auto insurance applies. In Texas, the minimum coverage for personal policies is $30,000 per person for injuries, $60,000 per accident, and $25,000 for property damage.
When the App is Turned On, But No Ride has Been Accepted Yet
If the driver is logged into the app and waiting for a ride request, Uber steps in with limited coverage.
At this stage, Uber provides $50,000 per person for injuries, up to $100,000 per accident, and $25,000 for property damage. It’s not full coverage, but it’s more than a personal policy alone.
On the Way to Pick Someone Up
The second a driver accepts a ride and starts heading to the pickup location, Uber’s full $1 million liability policy kicks in. That covers both bodily injury and property damage in case of an accident.
With a Passenger in the Car
If there’s a passenger in the vehicle, whether it’s you or someone else, that same $1 million in coverage stays in effect until the ride ends.
The stage the driver is in when the crash happens is critical. That is what determines which policy is active and how much money is actually available for things like medical bills, lost wages, or damage to your vehicle.
Texas law and Uber’s own rules intersect here. Understanding which policy applies can make a huge difference in how the claim plays out.
How Liability is Determined in Uber Accident Collision Cases
Liability in Uber accidents can be multifaceted because the blame could lie with:
- The rideshare driver
- Uber as a company
- Other motorists who were on the road at the time of the crash
- Third parties
Ultimately, it’s important to note that Texas is a modified comparative fault state. This means that if you are determined to be more than 50% at fault for the crash, you might be barred from recovering compensation altogether.
However, if you are less than 50% at fault, you’ll likely still receive compensation, though your percentage of fault may lower what you can obtain.
This is why determining the driver’s status at the time of the accident is very important. At the same time, you don’t have to worry about making this call yourself. Instead, leave that task up to a San Antonio personal injury lawyer who has experience determining fault in collision cases.
(310) 526-8383Statute of Limitations in Texas
In Texas, the statute of limitations for personal injury claims is two years from the day the accident took place. This means you have 24 months to file a claim or pursue a lawsuit in search of compensation for your injuries as well as the damages you sustained.
Failing to file within this timeframe can result in you losing your right to legal action altogether.
Reach Out to Our Uber Accident Attorneys in San Antonio to Learn How We Can Represent You in Your Case
If you’ve been injured in an Uber accident, we know how fast everything can start to spiral. From medical bills and insurance claims to missed work and everything in between, it’s not uncommon to find yourself with a lot of unanswered questions.
However, you don’t have to deal with all of it on your own—instead, reach out to Omega Law Group. We’re ready to step in and take the pressure off your shoulders. Our San Antonio Uber accident attorneys know what it takes to go up against rideshare companies.
We also won’t hesitate to protect you from low settlement offers that are often extended to victims by insurance providers. We’re not afraid to stand up for you.
Reach out today so we can start building your case, protecting your rights, and helping you pursue compensation.
