Every time you step into a rideshare vehicle, you’re trusting that the driver, the app, and the road ahead are all working in your favor. But that trust is often shaken and sometimes shattered when an accident happens.
A 2024 study from the University of Illinois Chicago, published in the Journal of Safety Research, revealed a startling truth: one-third of rideshare drivers have been involved in a crash while on the job. The study found that distractions like cellphone use, fatigue, and unfamiliar routes were major contributing factors.
These accidents aren’t rare. And if you’ve been injured in an Uber or Lyft crash, whether as a passenger, a driver, or a bystander, you’re not alone. But that doesn’t make the aftermath any less confusing or overwhelming.
So, who pays for your injuries when a rideshare ride goes wrong in Texas?
That’s where the O’Hare and Koch Law Firm steps in. We help victims across Dallas, Carrollton and throughout Texas cut through the insurance red tape and fight for the justice and compensation they deserve.
Contact Us for Your Free Consultation!
The Problem: After a Rideshare Accident, Confusion Reigns
Many times Uber or Lyft accidents in Texas don’t follow the same rules as regular car crashes. Unlike personal vehicle accidents, there are multiple parties involved: the Uber or Lyft driver, Uber or Lyft itself, other drivers, and several layers of insurance coverage.
You might be asking:
- Will Uber or Lyft’s insurance pay for my injuries?
- What if the driver was off the clock?
- Can I sue Uber or Lyft directly?
- What if the at-fault driver doesn’t have enough insurance?
The answers depend on when the accident happened and who was at fault. And without legal guidance, you could easily walk away with far less than you deserve—or nothing at all.
Understanding Rideshare Liability in Texas
Here’s how liability typically breaks down in a Texas Uber or Lyft accident:
- If the rideshare driver wasn’t logged into the app: The driver’s personal auto insurance is responsible. The rideshare company’s coverage doesn’t apply.
- If the driver was logged in but hadn’t accepted a ride yet: Uber or Lyft provides limited liability coverage—up to $50,000 per person for injuries and $100,000 per accident.
- If the driver had accepted a ride or was transporting a passenger: Uber or Lyft offers up to $1 million in liability coverage, including uninsured/underinsured motorist protection.
But these policies aren’t automatic. Insurance companies may try to shift blame or deny your claim, especially if multiple drivers were involved. That’s why having a skilled Texas Uber accident lawyer or Texas Lyft accident lawyer is essential.
You Need a Guide Who Knows the System
At O’Hare and Koch, we’ve handled thousands of complex car accident cases. We know how to:
- Investigate and establish who’s truly at fault
- Identify every source of compensation (including the rideshare company’s multi-tiered insurance)
- Deal with aggressive insurance adjusters
- Build a case that proves your injuries, lost income, and long-term damages
We also understand how local laws and road conditions in Dallas and across Texas impact your rights and how to hold rideshare companies accountable when they try to dodge responsibility.
The Stakes Are High.
Without experienced legal help, you risk outcomes that could permanently impact your finances and recovery. In fact, accident victims represented by attorneys recover an average of 3.5 times more in compensation than those who try to settle claims on their own, according to a study by the Insurance Research Council. You also risk:
- Settling for less than your injuries are worth
- Missing deadlines for filing your claim
- Losing access to Uber or Lyft’s $1 million insurance coverage when it is applicable
- Facing out-of-pocket expenses for long-term care or rehabilitation
In some cases, victims walk away with nothing at all. But it doesn’t have to be that way.
What To Do If You Were in A Ride Share Accident
If you’ve been injured in an Uber or Lyft crash in Texas, follow these steps:
- Seek medical attention – Even minor symptoms can worsen over time. Your health is the top priority.
- Document everything – Take photos, videos, get witness and driver information, and save all communication with Uber or drivers.
- Avoid giving a statement to insurance companies – They may use your words against you.
- Call an experienced personal injury lawyer – Let us take over the legal burden while you focus on healing.
We’ll walk you through every part of your rideshare crash insurance claim and fight for the maximum compensation you’re entitled to under Texas law.
You Don’t Have to Fight Alone.
Uber and other rideshare companies are backed by powerful legal teams. You deserve someone in your corner who knows how to stand up to them.
Our Dallas rideshare injury attorneys don’t just understand the law; we understand what it’s like to suffer after a serious accident. We treat every client with the respect and attention they deserve and build every case with one goal: getting justice for you.
Injured in a Ride Share Accident? We’ll Help You Get the Results You Deserve.
If you’ve been in an Uber accident or Lyft accident in Texas, don’t wait. Contact the O’Hare and Koch Law Firm today for a free consultation. We’ll listen to your story, explain your options, and fight to hold the right parties accountable.
