Were You Injured In An Uber Accident in San Antonio, TX?
At the Hollingsworth Law Firm, our San Antonio car accident attorneys know liability for an Uber accident in Texas depends on the specific period of the Uber trip at the time of the accident. The liability structure involves the driver’s personal and Uber’s insurance policies.
When the Uber Driver’s Personal Insurance May Be Liable for Your Accident and Injuries
If an Uber driver’s negligence causes them to crash into you and you are hurt, you must determine whether they were officially “on the clock” when the accident occurred.
If the Uber driver has not yet logged onto the app, they are considered a passenger vehicle driver whose negligence caused a traffic accident. From an insurance liability standpoint, this would be the same as getting hurt by a non-Uber driver.
The Texas Department of Insurance requires all vehicle owners throughout the state to carry a minimum amount of liability coverage that includes:
- $30,000 for injuries per person.
- $60,000 for injuries per accident.
- $25,000 of coverage for property damage.
If the liable driver has more insurance coverage than the minimum amount, you may pursue their carrier up to the policy limits.
At Hollingsworth Law Firm, Our San Antonio Personal Injury Attorney Also Focuses on the Following Practice Areas:
- Airplane Accidents
- Auto Accidents
- Catastrophic Injuries
- Industrial Accidents
- Lyft Accident
- Maritime / Offshore Accidents
- Medical Malpractice
- Motorcycle Accidents
- Oil Rig Explosions
- Pedestrian Accidents
- Plant / Refinery Accidents
- Product Liability Accidents
- Rideshare Accidents
- Slip, Trip & Fall Incidents
- Truck Accidents
- Wrongful Death
When Uber’s Corporate Insurance May Be Liable for Your Damages
Uber’s corporate insurance coverage varies depending on the driver’s activity during the accident.
- App On, No Passenger
If the Uber driver has the app on but has not yet accepted a ride request, Uber provides contingent liability coverage. This coverage becomes secondary to the driver’s personal insurance and provides additional protection up to certain limits.
- En Route to Pickup
Once the Uber driver accepts a ride and is en route to pick up the passenger, Uber provides primary liability coverage. This coverage is the primary source of protection for bodily injury and property damage caused by the Uber driver.
- Passenger(s) in the Vehicle
When the Uber driver has a passenger in the vehicle, Uber provides its highest liability coverage level. This primary coverage is intended to cover bodily injury and property damage caused by the Uber driver during the ride.
If the Uber driver’s personal insurance is insufficient or denies coverage because the driver’s app was one, Uber’s contingent liability coverage can come into play. In other scenarios, where the driver is actively working, Uber’s insurance is the primary source of coverage.
Uber also provides uninsured/underinsured motorist coverage, which can be useful if the at-fault party in the accident lacks insurance or has insufficient coverage.
Have You Been Injured in a Crash with an Uber Driver or as Its Passenger in San Antonio, Texas?
If you have been injured in an Uber accident caused by its driver or another third party’s negligence in Texas, contact our dedicated San Antonio personal injury lawyers at the Hollingsworth Law Firm today by calling 713-637-4560 or contact us online for a free case evaluation.
Our skilled bilingual personal injury lawyers and support staff represent clients throughout Texas on a contingency basis, so you never pay any legal fees unless we win your case.
If you are ready to fight for the compensation you deserve, so are we. Let us take the lead.