WHAT MAKES BEING A PASSENGER IN AN UBER UNIQUE
Traveling in a ridesharing vehicle is unique because different laws apply to ridesharing vehicle insurance claims. Getting picked up in an Uber or Lyft may seem just like riding with a friend or family member, but it is not. If you are a passenger in a normal accident, you or the driver’s auto insurance will cover your medical expenses accordingly. However, in an Uber or Lyft accident your insurance coverage is subject to the coverage the driver has. Fortunately, a new Texas law requires transportation network company drivers to have more minimum car insurance than other Texas drivers. As a passenger you are guaranteed at least $50,000 coverage in a ridesharing vehicle accident.
STILL REASON FOR CAUTION
However, just because an Uber or Lyft driver is insured does not mean you will see this amount after an injury. Insurance companies or ridesharing companies will be eager to deny your personal injury claim. If you ever suffer injuries as a result of a ridesharing accident, it is important to first file a police report, keep all medical bills and receipts, and make it clear to Uber or Lyft that you were seriously harmed. Ridesharing and insurance companies will try to discredit your injuries in an attempt to get off the hook for payments.