December 1, 2021

How do rideshare insurance claims work in Texas?

The "rideshare revolution" opened doors for travelers to save money on transportation while providing a way for the average driver to make money in the gig economy. Rideshare drivers may spend long hours on the road and might deal with undesirable conditions. Accidents could happen on busy Texas streets, leaving victims seeking compensation from the rideshare company and driver.

The basics of rideshare risks and liabilities

Anytime someone drives a vehicle, the person runs the risk of getting into an accident. The driver may cause the accident or be the victim of one, and the driver could then suffer an injury or property damage. Passengers, pedestrians, bicyclists, and others may get hurt in an accident, as well. The party liable for the accident might then face a lawsuit or insurance claim.

With rideshares, the rideshare company may provide substantial liability coverage to cover losses. However, the rideshare company won't likely face any requirements to pay if the rideshare driver didn't cause the accident.

Other insurance concerns for drivers and passengers

Drivers should find out how the rideshare coverage works. The policy coverage amounts could be quite low when driving around looking for passengers, as the amount won't increase substantially until the passenger enters the vehicle. Drivers might need a commercial auto insurance policy to provide coverage.

Passengers may check with their auto insurance company to see if any coverage extends to a rideshare accident, such as uninsured or underinsured motorist provisions. A driver without a commercial policy may hit someone while going to a pickup, and the coverage limits might be too low to pay for any losses.

Insurance companies may attempt to settle an injury claim for an unreasonably low amount. Effective negotiations could lead to a better outcome, along with a more reasonable settlement.

Do Not Wait To Get Aggressive Representation! Call Our Houston, Dallas, and McAllen Uber And Lyft Ride-share Accident Attorneys


At Rose Sanders Law Firm, PLLC, we understand the difficult position you are in after a rideshare accident and the stress you now face. Our lawyers will fight hard to get you the compensation you deserve. We offer free consultations, and you won’t pay anything unless you win your case.

Our offices in Houston, Dallas and McAllen help injured people across Texas with various personal injury cases. Attorneys Charles Sanders and Erica Rose have years of experience with personal injury law, insurance billing procedures, professional liability claims management, general liability claim “risk management,” and the health care industry. This knowledge allows them to craft personalized legal strategies that work to get the best possible outcomes expediently.

To arrange a free initial consultation with a knowledgeable Texas ride-share accident lawyer, contact us online or by telephone at 713-231-9288.

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