IF AN UBER OR LYFT DRIVER HITS YOU, WHOSE INSURANCE WILL COVER YOU, THE RIDE-SHARE, OR THE DRIVER'S INSURANCE?
When you travel with Uber in Texas your trip is insured by Progressive.
Your Uber driver may carry their own insurance policy. However, if they do not have the proper insurance coverage, Uber’s insurance covers the passengers. Uber has auto liability of at least $1 million in case of injury or death for riders or third parties. In the event of an accident in which another driver is at fault and doesn’t have enough insurance coverage, your trip is still insured under the uninsured policy of Uber.
In case you used Lyft, they have a $1 Million coverage as soon as you accept the ride. Their policy is in excess of the driver’s policy, if valid. In case of an at-fault driver, they also carry Uninsured and Underinsured policy to protect your ride.
There are several important steps that should be taken by injured individuals following an auto accident involving Uber or Lyft.
1. Get immediate medical attention.
Immediate medical attention following an auto accident can play a significant role to the insurance companies in determining the overall value of your case. If you do not have health insurance, you should still get the proper medical attention. Your health comes first. Our office will assist you after the collision to deal with the medical bills.
2. Contact a family member and notify them of your status.
It is important that you get help from family members specially when you suffer severe injuries. They can help with your health and preserving the evidence we need to assist with your case.
3. Preserve the evidence.
Take pictures of the other vehicle, your vehicle and the scene of the collision. If you are too injured to do so ask a family member to do it for you. In some courts, police reports are not admissible. However, a police report can be a helpful tool utilized to gather the evidentiary information required to maximize the value of a claim.
4. Do not post anything on social media or discuss your collision with anyone.
If you’re ever in an Uber accident, you should avoid posting information about that accident or your injuries on social media. There’s very little you can do on social media that can help your case, but there’s a lot you can do to harm your case. Social media can certainly complicate things but there are ways to protect yourself and your personal injury case.
5. Call an experienced Uber accident injury lawyer immediately.
It is important that you do not speak with the at-fault parties’ insurance carriers and/or the Uber or Lyft insurance company regarding any potential injuries you may have suffered. Any words or statements made can and will be used against you to greatly diminish your claim. Contact an accomplished Uber accident injury lawyer regarding your case.
Your confidence in our services is important to us. Our experienced Uber accident injury lawyer has the track record to prove their results. We have litigated many cases against Uber and Lyft. Working with an Uber accident injury lawyer can help you receive reasonable compensation that may exceed the amount that the insurance company would offer you on your own.
An Uber accident injury lawyer will help you present every detail about your case to the insurance company and the court if needed. He or she might bring up information that you would have missed if you handled the case yourself.
