Can I sue Uber directly for my injuries?

In most cases, no. Uber classifies drivers as independent contractors, which limits their liability. Claims are typically against the driver or their insurance policy.

What if the Uber driver wasn’t at fault?

You can still pursue compensation from the at-fault driver. If they are uninsured or underinsured, Uber’s policy may apply.

Do rideshare drivers need special insurance?

Yes. Texas law requires minimum coverage, and Uber adds supplemental insurance depending on driver activity.

Injured in an Uber Accident? Know Your Rights and Liabilities

If you’ve been injured in an Uber accident—whether you were a passenger, another driver, or a pedestrian—you’re not alone. Rideshare crashes have increased as these services have become more common in Fort Worth and across Texas. But who is responsible for paying your medical bills, lost wages, or pain and suffering?

This guide breaks down everything you need to know about Uber accident liability in Texas, including how rideshare insurance works, what to do immediately after a crash, and when to hire a lawyer.

🚨 Quick Takeaways: Who Pays After an Uber Accident?

Passenger injured in Uber? Uber’s $1 million insurance typically applies.
Hit by an Uber driver? Coverage depends on whether they were logged in or on a trip.
Driver for Uber? You may be covered under Uber’s policy—depending on your status.

Uber’s Insurance Coverage:

Driver Status	Coverage Type	Policy Limits
Not logged into the Uber app	No coverage	Driver’s personal insurance applies
Logged in, waiting for ride (Period 1)	Contingent liability	$50,000 per person / $100,000 per accident / $25,000 property
En route or carrying passenger (Periods 2 & 3)	Uber’s commercial policy	Up to $1 million in liability + UM/UIM

Common Scenarios & Who’s Liable

You’re a passenger in an Uber: Uber’s $1M policy should apply regardless of who was at fault.
You were hit by an Uber driver: Depends on whether the driver was active on the app (see above table).
You’re the Uber driver: You may be covered under Uber’s policy, but must still file a claim like any injured party.
Another driver caused the accident while Ubering: Uber’s uninsured/underinsured motorist coverage can apply.

Texas Law: Comparative Negligence & Time Limits

Texas follows a modified comparative negligence rule. If you are less than 51% at fault, you can still recover damages—but your compensation is reduced by your fault percentage. This matters when Uber or another party claims you were partially responsible.

The statute of limitations for personal injury in Texas is 2 years from the date of the accident (Texas Civil Practice & Remedies Code §16.003).

What to Do After an Uber or Lyft Accident in Texas

📸 Take photos of damage, location, and injuries.
👮 Call 911 and request a police report.
📝 Get driver info including app screenshots and insurance details.
📱 Report the crash in the Uber or Lyft app.
🧾 Document everything: medical visits, time off work, expenses.
⚖️ Contact an attorney before speaking with insurance adjusters.

Why Insurance Companies Undervalue Uber Claims

Even though Uber’s insurance policy may seem generous, don’t expect the insurance company to just hand over a fair settlement. Their goal is to protect profits—not help victims. Common tactics include:

Claiming you were partially at fault
Blaming another driver
Denying that Uber’s policy applies
Delaying payment while you struggle with bills

When to Call an Uber Accident Lawyer

If you’re injured, don’t try to handle an Uber claim alone. These are complex cases involving corporate insurers, app status tracking, and overlapping coverages. A skilled Uber accident lawyer in Texas can gather evidence, handle negotiations, and make sure you get the full compensation you deserve.

Contact Francis Injury

Why Choose Francis Injury for Your Uber Accident Case?

Our award-winning legal team understands the complexities of rideshare injury claims. We’ve helped thousands across Fort Worth and Texas fight back against insurance tactics—and win. We only get paid when you do. Call 817-329-9001 now or schedule your free case review online.

Frequently Asked Questions

Frequently Asked Questions About Uber Accidents

Can I sue Uber directly after an accident?

Generally, no. Uber classifies drivers as independent contractors. Your claim is usually against the driver or their insurance policy—often supplemented by Uber’s own liability coverage.

What if I was a passenger during the crash?

If you were a passenger in an active Uber ride, you're typically covered under Uber’s $1 million liability policy, regardless of who was at fault.

Does Uber cover hit-and-run or uninsured drivers?

Yes. Uber provides uninsured/underinsured motorist (UM/UIM) coverage when you're on an active ride. This can help cover your losses even if the at-fault driver flees or has no insurance.

What if the driver was logged into Uber but hadn’t picked up a passenger?

This is called Period 1. Uber provides limited liability coverage: $50,000 per person for injuries, $100,000 per accident, and $25,000 for property damage.

How long do I have to file a claim in Texas?

Texas law allows you 2 years from the date of the accident to file a personal injury lawsuit. Acting quickly helps preserve evidence and strengthens your case.

Do I need a lawyer for a rideshare accident?

Absolutely. Uber accident claims involve overlapping policies, corporate adjusters, and app status complexities. A lawyer ensures you receive full compensation and aren’t taken advantage of.