Who Will Pay My Bills If I'm Hit by an Uber Driver? | Dallas Injury Lawyers
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Ridesharing is convenient, quick, and easy. While Uber says its drivers undergo background checks, accidents can and will happen.
If you have been in an accident involving Uber or another ridesharing company, it is important you understand the process and differences between ridesharing and traditional transportation options. Our team of Dallas car accident lawyers has helped thousands of wreck victims get their lives back on track after an injury, and we’re ready to help you.
If you or a loved one has been injured by an Uber, call Zinda Law Group at (800) 863-5312 for a 100% free case evaluation with our Texas personal injury attorneys.
Who Is Liable If You Are Hit by an Uber Driver?
If you bring a claim after an accident, you must prove liability and damages. Because ridesharing companies are still new, courts are still sorting out the legal liability of companies.
Currently, it is difficult to name Uber as a defendant for an accident. Uber classifies drivers as independent contractors for the company, instead of employees. This distinction means that Uber usually cannot be held liable for the actions of its drivers.
This means if you wish to bring a claim, the most straightforward case will be against the driver, and not Uber itself. However, Uber has recently started carrying liability insurance coverage for its drivers, which can make recovering damages from an accident easier.
Uber Insurance Policies
Uber has a $1 million insurance policy on its drivers. However, the company uses a three-part insurance plan. The coverage that applies is based on the driver’s activity at the time the accident occurred.
1. Not Available – If the driver is not available to accept requests from rides in the app at the time of the accident, the Uber policy does not apply. Instead, the driver’s personal policy covers him or her. You will have to negotiate with the driver’s personal insurance company.
2. Available but No Passenger – If the driver is available on the app and ready to pick up passengers, but is not currently carrying a passenger at the time of the accident, the primary insurance is generally the driver’s own insurance policy. However, Texas law requires Uber to provide coverage whenever the app is on, even if the driver is not carrying a passenger.
In Texas, Uber’s insurance is required to cover $50,000 for bodily injury for each person involved in an accident, with a $100,000 total liability per accident, and property damage coverage up to $25,000 per accident.
3. Available and Carrying Passenger – When an Uber driver is carrying a passenger, the $1 million policy kicks in. It covers the driver, passenger, and an injured third party, up to $1,000,000 for injury, death, and property damage.
Uber also carries a $1,000,000 uninsured/underinsured policy, so that if an accident is caused by an uninsured driver, this policy will kick in.
Get Help from Dallas Uber Accident Lawyers
While Uber is prepared for accidents to happen, its insurance provider is dedicated to avoiding paying out claims, just like any other insurance company. It is possible for an accident claim to be denied. When you are struggling to pay the bills after an accident, any delay in resolving your claim is stressful.
The car accident attorneys at Zinda Law Group want to make the claims process as simple as possible so you can focus on recovery. We have experience negotiating on many clients’ behalf with insurance companies after automobile accidents, and we will work to ensure you reach a fair resolution of your claim so you can put this accident behind you.
If you or a loved one has been injured by an Uber or another ridesharing company, contact us at (800) 863-5312 for a free consultation and learn how we can help.
Meetings with attorneys are available by appointment only.