If you were injured in a rideshare crash, you might feel overwhelmed. You are dealing with pain, medical bills, and confusing insurance policies. You do not have to face this alone. A Houston Uber accident lawyer can help you protect your rights and fight for the compensation you deserve.

Rideshare accidents are different from regular car crashes. They involve big companies, complex insurance rules, and strict laws. Whether you were a passenger, another driver, or a pedestrian, our legal team is ready to guide you through the process.

How Uber Accidents Are Different From Regular Car Crashes

When two personal cars crash, it is usually clear whose insurance pays. In an Uber accident, things get complicated quickly. You are not just dealing with a driver; you are dealing with a Transportation Network Company (TNC) and potentially multiple insurance providers.

Uber claims often involve:

• Multiple Insurance Policies: The driver’s personal auto insurance, Uber’s commercial policy, and potentially your own uninsured/underinsured motorist coverage.
• Determining Status: Coverage depends entirely on what the Uber driver was doing at the moment of the crash.
• Corporate Lawyers: Uber works with powerful legal teams and insurance adjusters trained to minimize payouts.

Understanding Uber Insurance Coverage Tiers

One of the most important parts of your claim is understanding which insurance policy applies. Uber divides coverage into “periods” based on the driver’s activity on the app.

Period 0: App Is Off

If the driver is not logged into the Uber app, Uber provides no coverage. Any claims must go through the driver’s personal auto insurance. However, many personal policies deny claims if the driver was using the vehicle for business, which can create a coverage gap.

Period 1: App Is On (Waiting for a Ride)

The driver is logged in and available but has not accepted a trip yet. Uber provides limited liability coverage if the driver’s personal insurance does not apply. This typically covers injury and property damage to others, but the limits are lower than when a passenger is in the car.

Period 2 and 3: Trip Accepted or Passenger in Vehicle

Once a driver accepts a ride or has a passenger in the car, Uber’s full commercial auto insurance policy kicks in. This policy generally provides up to $1 million in third-party liability coverage and uninsured/underinsured motorist coverage. This applies to injured passengers and others hit by the Uber driver.

Who Is Liable for a Houston Uber Accident?

Determining liability (fault) is the first step in recovering money for your injuries. In Houston, several parties could be responsible:

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• The Uber Driver: If they were speeding, distracted by the app, or violated traffic laws.
• Another Driver: If a third party hit the Uber vehicle you were riding in.
• Uber (The Company): In rare cases where they failed to screen a dangerous driver properly.
• Vehicle Manufacturers: If a mechanical failure caused the crash.

Texas Comparative Negligence Laws

Texas uses a rule called “modified comparative negligence.” This means you can still get compensation even if you were partially at fault, as long as you were not more than 50% responsible. However, your payout will be reduced by your percentage of fault. Insurance companies often try to shift blame to you to lower what they owe. A skilled rideshare accident attorney fights back against these tactics.

What to Do After an Uber Accident in Houston

Taking the right steps immediately after a crash can make a big difference in your case. Here is a guide on what to do:

1. Call 911: Ensure the police come to the scene to file an official report. This is a key piece of evidence.
2. Seek Medical Attention: Even if you feel okay, go to a doctor. Some injuries, like whiplash or internal bleeding, appear later. Medical records link your injuries to the accident.
3. Gather Evidence: Take photos of the vehicles, the scene, and your injuries. Get contact info for witnesses.
4. Save the Ride Info: Take a screenshot of your Uber receipt and the trip details in the app.
5. Report the Accident: Notify Uber through the app, but stick to the basic facts.
6. Consult a Lawyer: Speak to a Houston Uber accident lawyer before giving a recorded statement to any insurance company.

Compensation You Can Recover

A serious accident can change your life physically and financially. We help you calculate the full value of your claim, including current and future needs. You may be entitled to compensation for:

• Medical Expenses: Emergency room visits, surgeries, physical therapy, and future medical care.
• Lost Wages: Income you lost while recovering from your injuries.
• Pain and Suffering: Compensation for physical pain and emotional distress.
• Property Damage: Repairs or replacement costs for your vehicle or personal items.
• Wrongful Death: If you lost a loved one, you may be able to file a wrongful death claim for funeral costs and loss of companionship.

Common Injuries in Rideshare Accidents

We represent clients who have suffered various types of injuries in motor vehicle collisions, ranging from minor to severe:

• Head and brain injuries (TBI)
• Neck and back injuries (whiplash, herniated discs)
• Broken bones and fractures
• Internal organ damage
• Cuts, bruises, and soft tissue injuries

How Our Houston Uber Accident Lawyers Help

Dealing with insurance adjusters can be frustrating. They often use tactics like delaying claims or offering low settlements that do not cover your bills. When you hire us, we handle the legal burden so you can focus on healing.

Our process includes:

• Investigation: We gather police reports, witness statements, and app data to prove negligence.
• Communication: We handle all calls and emails with Uber and the insurance companies.
• Negotiation: We send a demand letter and fight for a maximum settlement.
• Litigation: If the insurance company refuses to pay what is fair, we are prepared to file a lawsuit and go to trial.

The Cost of Hiring a Lawyer

Many people worry that they cannot afford a lawyer. We work on a contingency fee basis. This means you pay no upfront fees. We only get paid if we win your case and recover money for you. Our fee comes out of the settlement, so you never have to pay out of pocket to get high-quality legal representation.

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