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After an Uber crash, a Texas Uber accident lawyer can identify whose insurance applies and help protect your claim. Rideshare crashes raise questions that ordinary car accidents never do. You may be wondering whether Uber is responsible, why an adjuster keeps asking if the app was on, or how to pay medical bills while everyone points elsewhere.
Those worries are real, and they have answers. At The Texas Chongo Personal Injury Lawyers, we help injured passengers, rideshare drivers, pedestrians, and families across Texas understand their legal options after Uber and Lyft crashes. Call (972) 529-3476 for a free case evaluation in English or Spanish.
An Uber claim can involve several insurance policies, a technology company, and app data that only the company holds. Our team takes on those moving parts so you can focus on your recovery. Our founding attorney's credentials include:
We work from our Irving office and represent injured people throughout Texas. Past results do not guarantee or predict the outcome of any future case.
The Texas Department of Transportation (TxDOT) does not list rideshare crashes separately in its statewide report, so the clearest picture comes from statewide data and Uber's own reporting. The 2025 Texas Motor Vehicle Traffic Crash Facts recorded one reportable crash every 59 seconds and 244,534 people injured across the state.
Nationally, Uber's US Safety Report covering 2021 and 2022 counted 153 deaths in 127 fatal crashes tied to its platform, across more than 1.8 billion trips. Behind each of those numbers is a person dealing with pain, missed work, and insurance calls.
The answer depends on what the driver's app showed at the moment of the crash. That is why adjusters ask about the app so early.
Section 1954.051 of the Texas Insurance Code ties rideshare insurance to the time a driver is logged on or providing a ride. If the driver was offline, start with the driver's personal auto policy.
While a driver is logged on and waiting for a request, Section 1954.052 requires at least $50,000 for bodily injury or death per person, $100,000 per incident, and $25,000 for property damage. It also requires uninsured or underinsured motorist coverage and personal injury protection where Texas law requires it.
Under Section 1954.001, a prearranged ride begins when the driver accepts a request and ends when the last requesting rider leaves the vehicle. During that window, Section 1954.053 requires a $1 million total aggregate limit per incident for death, bodily injury, and property damage. The same uninsured motorist and personal injury protection requirements also apply.
A personal auto policy may exclude rideshare driving. Section 1954.151 allows that exclusion while the driver is logged on or providing a ride, and Section 1954.153 says the excluding insurer has no duty to defend or indemnify the claim.
The rideshare coverage does not wait for that denial, because Section 1954.055 says it is not contingent on the personal insurer denying the claim first. Section 1954.054 also requires the company to cover the claim from the first dollar if the driver's insurance lapses or falls short.
It depends, but Texas law makes it harder to bring direct claims against the company than many people expect. Under Section 2402.114 of the Texas Occupations Code, a driver is an independent contractor for all purposes when the company and driver agree in writing, and the company does not:
Section 1954.102 of the Insurance Code states that a rideshare company does not control or direct a driver or vehicle except as agreed in a written contract. Rideshare companies and logged-in drivers are also not common carriers under Section 2402.002.
Still, the company's own conduct can matter. If evidence shows it ignored its screening or safety duties, we evaluate whether a direct claim may be available.
Uber's Terms of Use, last updated June 9, 2026, include an arbitration agreement covering incidents or accidents that result in personal injury or death. That agreement may require you to submit some claims against Uber to private arbitration instead of court, except for individual small-claims cases. We review how it applies before deciding where to file.
There is no standard Uber accident settlement amount, and any number quoted before your injuries are understood is a guess. Value depends on factors such as:
Policy limits set how much insurance is available, not what your claim is worth. A serious injury can exceed even a $1 million policy, so we look for every source of coverage, including your own.
Depending on the facts, compensation in an Uber accident claim may cover financial losses and the personal toll of an injury.
Yes, as long as your share of responsibility is 50 percent or less. Under Section 33.001 of the Texas Civil Practice and Remedies Code, a person more than 50 percent responsible cannot recover damages. Section 33.012 reduces the damages of anyone who can recover by their percentage of responsibility.
Insurers may argue that a pedestrian, cyclist, or other driver contributed to the crash, and app data, video, and witness statements can help answer that.
Rideshare evidence and coverage questions move quickly, and the company often holds key information. Our team typically takes steps like these:
Rideshare crashes often involve the same driving mistakes behind other collisions, along with risks tied to picking up and dropping off riders. Common causes include:
Intersections are a serious risk statewide. The same TxDOT report counted 955 people killed in intersection-related crashes in 2025.
To prove negligence, you generally need to show that a driver or company failed to use reasonable care and that this failure caused your injuries. Rideshare evidence often includes app data, the police crash report, photos, video, witness statements, and medical records.
The driver's history can matter too. Section 2402.107 requires background checks and driving record reviews, and it bars a company from approving drivers whose records show, among other things:
Section 2402.106 also requires a zero-tolerance intoxication policy for logged-in drivers, and companies must keep complaint records under that policy for at least two years.
In most Texas injury cases, you have two years from the day the cause of action accrues to file a lawsuit under Section 16.003 of the Civil Practice and Remedies Code. For a death claim, the two years run from the date of death.
Two years pass quickly during treatment, and app data and video are easiest to secure early.
You need a personal injury lawyer who understands rideshare insurance. A Texas Uber accident lawyer should understand how app phases, contractor rules, and insurance exclusions affect a claim.
You can pursue a claim against the driver, and rideshare coverage may apply if the app was on. During a ride, the $1 million liability coverage under Section 1954.053 may cover your injuries. If the app was on without a ride, the lower minimums under Section 1954.052 apply.
Your claim usually starts with the at-fault driver's insurance. If that driver had little or no insurance, uninsured or underinsured motorist coverage required during a ride may help. Because Section 2402.114 can treat drivers as independent contractors for all purposes, workers' compensation through the company may not apply.
Get to safety, call 911 if anyone is hurt, and report the driver through the company's complaint process. Under Section 2402.106, a passenger complaint requires an investigation and immediately suspends the driver's access while it is pending. A DWI conviction in the past seven years should have kept that driver off the platform under Section 2402.107.
Yes. Reporting the crash creates a record of the trip and collision. Keep screenshots of the trip receipt, driver name, and vehicle details, and talk with a lawyer before giving any insurer a recorded statement.
We handle Uber accident cases on a contingency fee basis, so there are no upfront attorney fees. Case expenses are explained in the written agreement you sign before we begin.
You should not have to sort out app phases and insurance exclusions while you are trying to heal. A Texas Uber accident lawyer at The Texas Chongo Personal Injury Lawyers can review what happened, identify applicable coverage, and explain your options in English or Spanish. Call (972) 529-3476 to schedule a free case evaluation with board-certified personal injury trial attorney David Sanchez and our team.
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