When it comes to Uber and Lyft accidents, insurance coverage depends heavily on whether the driver was using the app at the time of the crash. Texas HB 1733 establishes requirements for rideshare companies, commonly referred to as transportation network companies (TNCs).
Here’s how coverage typically breaks down:
- Driver Offline: If the rideshare app is off, only the driver’s personal auto insurance applies.
- App On, Waiting for a Ride Request: Uber and Lyft must provide limited liability coverage—usually $50,000 per person, $100,000 per accident for injuries, and $25,000 for property damage.
- Driver En Route or Transporting a Passenger: Both companies provide up to $1 million in liability coverage plus additional uninsured/underinsured motorist protection.
Understanding which insurance period applies is crucial for recovering compensation. However, rideshare insurers are known for denying claims or delaying responses. Evidence such as ride receipts, GPS data, and witness statements must be preserved early.
Your attorney plays a vital role in identifying coverage and handling negotiations. At AK Law Firm, we work quickly to secure documentation from Uber, Lyft, and law enforcement—using crash reports and data from the Departamento de Transportes de Texas (TxDOT) to support your claim.