Short answer: Yes, you can sue after a Lyft accident in Texas — but who you sue (the Lyft driver, Lyft’s insurer, another driver, or multiple parties) depends on what the driver was doing in the app at the time of the crash. This guide explains Lyft’s insurance “periods,” how Texas law treats rideshare crashes, what compensation you can pursue, and the fastest way to protect your claim.

Need help now? Call (817) 329-9001 or request a free consultation. Our team has recovered millions for Texas crash victims and knows how to make insurers — including rideshare carriers — pay what they owe.

Can I Sue Lyft After an Accident?

Yes, if negligence caused your injuries. After a rideshare crash, you may bring claims against (1) the Lyft driver, (2) Lyft’s insurer (under Lyft’s policy), (3) another at-fault driver, and/or (4) other responsible parties (road contractor, vehicle manufacturer, bar under dram shop, etc.). What matters first is the driver’s status in the Lyft app when the collision occurred — that status controls which insurance applies and how much coverage is available.

Lyft Insurance “Periods” in Texas (What Applies to Your Case)

Texas law requires specific rideshare (Transportation Network Company, or “TNC”) insurance. Coverage changes based on three common scenarios:

App OFF (driver not logged in): Only the driver’s personal auto policy applies (Texas minimums are 30/60/25). Source
App ON & waiting for a ride request: Texas TNC law requires at least $50,000 bodily injury per person, $100,000 per accident, and $25,000 property damage (50/100/25). Source
En route to pick up or carrying a passenger: Lyft maintains up to $1,000,000 in third-party liability and typically UM/UIM + contingent collision/comprehensive (deductible applies). Source

Translation: even if the Lyft driver is partially at fault, there’s often more insurance available than in a typical Texas car crash — especially once a trip has been accepted or a rider is in the vehicle.

Who You Can Hold Accountable

The Lyft Driver for unsafe driving (speeding, distraction, intoxication, tailgating, illegal turns, etc.).
Lyft’s Insurer (when the app status triggers Lyft’s policy limits).
Another At-Fault Driver (multi-vehicle crashes are common at intersections and on Texas highways).
Other Parties — a negligent employer of another driver, a bar that overserved (dram shop), a vehicle/parts manufacturer, or a government entity responsible for a dangerous roadway.

Not sure where to start? Our team builds claims against every responsible party to maximize the total recovery — including UM/UIM if the at-fault driver is uninsured or underinsured (more on that below).

What Damages Can You Recover?

You can pursue economic and non-economic losses such as:

ER and hospital bills, surgery, therapy, prescriptions, medical devices
Future medical care and life-care costs (TBI, spine, orthopedic injuries)
Lost wages, diminished earning capacity, missed contracts/bonuses
Pain, suffering, mental anguish, physical impairment
Vehicle repair or total loss, rental/tow, phone & property damage
Wrongful death losses (funeral, loss of companionship, financial contributions)

Our job is to calculate the full value of your claim, prove it with records and expert support, and force insurers to pay — not just the first “fast” offer.

Exact Steps to Take After a Lyft Crash

Call 911 and get medical care. Delays hurt recovery & claims.
Document the scene: photos/video of vehicles, skid marks, debris, traffic signals, road hazards, rideshare app screens, and injuries.
Get info: driver’s name, phone, license, insurer; Lyft trip screenshots; witness contacts.
Report in-app and request claim number; keep copies.
Do not give recorded statements to any insurer before you speak to counsel.
Call a lawyer early: we preserve digital/app data, intersection camera footage, telematics, EDR (“black box”), and 911 audio.

Already getting calls from adjusters? Forward everything to us. We handle the communications so you can focus on treatment.

Texas UM/UIM & Why It Matters in Rideshare Crashes

If a non-Lyft driver caused the wreck and lacks enough insurance, uninsured/underinsured motorist (UM/UIM) can fill the gap. Lyft’s policy often includes UM/UIM during active rides; you may also have UM/UIM on your own auto policy. We coordinate all available coverages to avoid finger-pointing and delays. Learn more: UM/UIM claims in Texas.

How Long Do I Have to File a Claim?

Most Texas personal injury cases have a two-year statute of limitations from the date of the crash. Evidence gets harder to find with time — contact us quickly so we can preserve app logs, phone metadata, and video.

Why Choose Francis Injury for a Lyft Accident?

Texas strategy for Texas juries: We try cases and leverage that trial posture in negotiations.
Rapid evidence preservation: Lyft trip data, phone use, dashcams, intersection footage, telematics.
Medical lien & billing support: Coordination to keep more of your settlement in your pocket.
Proven results: Millions recovered for Texas crash victims.

Talk to a lawyer now: Send a message or call (817) 329-9001. It’s free to start, and you pay nothing unless we win.

FAQs: Lyft Accidents in Texas

+Can I sue Lyft directly?

Often your claim is paid by the applicable insurance (Lyft’s or a third party). Direct negligence claims against Lyft may exist for things like negligent onboarding if supported by evidence. We’ll evaluate all angles and carriers first, which usually speeds recovery.

+What if multiple drivers share fault?

Texas uses proportionate responsibility. We pursue each negligent party (and policy) so you’re not shortchanged if one driver has low limits.

+Does Lyft cover me as a passenger?

Yes — once the trip is accepted or you’re in the vehicle, Lyft’s policy typically provides up to $1,000,000 liability and often UM/UIM for covered accidents.

+What if I was hit by a Lyft while in my own car?

We make claims on the at-fault driver and, depending on app status, on Lyft’s policy. If the other driver is underinsured, we pursue UM/UIM as a backup.

+Will my health insurance have to be paid back?

Possibly. We handle subrogation and lien reductions so more of the settlement stays with you.

+How long will my case take?

Simple claims can resolve in a few months; contested liability or significant injuries take longer. Preserving evidence quickly helps speed things up.

+What if the Lyft driver was off the app?

Then Lyft coverage doesn’t apply. We’ll proceed against the driver’s personal policy (Texas minimums are 30/60/25) and your UM/UIM if needed.

+How much is my Lyft case worth?

It depends on liability, medical treatment, permanence of injury, lost earnings, and available coverage. We’ll calculate full value — not just bills.

Talk to a Texas Lyft Accident Lawyer Today

You don’t have to wrestle with multiple insurers on your own. Call (817) 329-9001 or send us a message. We’ll secure the evidence, manage the claims, and fight for every dollar you’re owed.

Francis Injury – Fort Worth Office
640 Taylor St Suite 1200B, Fort Worth, TX 76102
(817) 329-9001