How Are Rideshare Accident Claims Different From Standard Car Accident Claims?

Dallas, Texas, is a growing city with a thriving economy and a large population that relies heavily on rideshare services like Uber and Lyft to get around. From commuting to nightlife, rideshares offer convenience—but when an accident happens involving one, the legal process becomes more complex than with a standard car crash.

If you're injured in a rideshare-related collision, it's critical to understand your rights and the steps to take. That's why many people in the area choose to hire a rideshare accident attorney in Dallas to help them navigate the claims process.

Rideshare vs. Standard Car Accident: What's the Difference?

At first glance, a rideshare accident may seem like any other traffic incident. However, key legal and insurance differences can greatly affect how your claim is handled—and how much compensation you may receive.

Let's explore what sets these cases apart.

1. The Involvement of a Third-Party Company

In a standard car accident, the claim usually involves just the two drivers and their insurance companies. But in a rideshare accident, a third party—the rideshare company—is also involved. This creates more legal layers and can complicate liability.

Uber and Lyft classify their drivers as independent contractors, not employees. This classification limits the companies' liability in many situations, but not all. Knowing when the rideshare company is responsible for damages is essential.

2. Rideshare Insurance Coverage Varies by Driver Status

One of the most unique aspects of a rideshare accident is that the insurance coverage depends on what the driver was doing at the time of the crash:

• App Off: If the rideshare driver is not logged into the app, their personal auto insurance applies.

• App On, No Passenger: If the driver is logged in but hasn't accepted a ride, Uber and Lyft offer limited liability coverage (usually around $50,000 per person for injury).

• Passenger Onboard or En Route to Pick-Up: Once a ride is accepted or in progress, the rideshare company provides up to $1 million in liability coverage.

This tiered structure means the amount available for your damages may change depending on the exact moment the crash occurred. Determining this requires access to the driver's app activity and other digital records, which an attorney can help obtain.

3. Multiple Parties May Share Liability

In rideshare accidents, more than one party may be at fault. Depending on the situation, you might have claims against:

• The rideshare driver

• Another driver involved

• The rideshare company (under specific circumstances)

• A manufacturer (if vehicle defects were involved)

• A local government (for hazardous road conditions)

An experienced lawyer can help identify who is liable and pursue claims accordingly.

4. Settlement Negotiations Are More Complex

Because of the higher policy limits involved when a rideshare company's insurance is triggered, insurance adjusters often fight harder to minimize payouts. They may challenge who was at fault, whether the driver was "on the clock," or whether your injuries are as severe as you claim.

If you don't have legal representation, you could unknowingly accept a settlement that's far less than you deserve.

5. Special Legal and Regulatory Issues

Laws continues to evolve regarding rideshare regulations, and local jurisdictions may have their own ordinances. Understanding how these laws impact your rights and claim process is key. A seasoned attorney familiar with local law can guide you through it.

Key Takeaways

• Rideshare accident claims are more complicated than standard car accidents due to third-party involvement and varying insurance coverage.

• Uber and Lyft insurance policies depend on the driver's status at the time of the crash (app off, waiting, or transporting).

• Liability can involve multiple parties, making the investigation more complex.

• Insurance companies are often more aggressive in rideshare cases, especially when high coverage limits are available.

• Always consider the option to hire a rideshare accident attorney to ensure your rights are protected and you receive full compensation.