TEXAS RIDESHARE ACCIDENT FAQS

1. Ensure Safety First: Your immediate safety should be the top priority. Move to a safe location if possible and check for injuries.
2. Call 911: Report the accident to the police and seek medical attention if needed, even if injuries seem minor.
3. Document the Scene: Take pictures of the accident scene, vehicle damages, and any visible injuries. Gather contact information from all parties involved, including witnesses.
4. Report the Accident:

• If you’re a passenger, report the incident to the rideshare company using their app.
• If you’re a driver, notify your insurance company and the rideshare service if you were driving for them at the time.

• At-Fault Driver’s Insurance: Texas operates under a fault-based system, meaning the at-fault party’s insurance is primarily responsible for covering damages.
• Rideshare Company Insurance:
• If the rideshare driver is at fault, the rideshare company typically provides insurance coverage, but it depends on whether they were logged into the app or actively carrying a passenger.
• Personal Insurance:
• A rideshare driver’s personal auto insurance usually doesn’t cover accidents occurring during rideshare operations unless the driver has specific rideshare coverage.

• Rideshare Coverage:
• Period 1 (App on, no ride accepted): Limited liability coverage.
• Period 2 (Ride accepted, en route to pick up): More extensive liability coverage.
• Period 3 (Passenger in vehicle): Comprehensive coverage from the rideshare company.
• Passenger Insurance:
• Passengers are typically covered under the rideshare company’s insurance during the ride.

1. Consult with a Lawyer: Before proceeding, consult with an attorney experienced in rideshare accidents to explore your options.
2. File an Insurance Claim:

• Start with the at-fault party’s insurance.
• Notify the rideshare company to access their coverage.

3. Consider a Lawsuit:

• If insurance doesn’t cover all losses, you may need to file a lawsuit. Be mindful of Texas’ statutes of limitations.

• Police Reports and Witness Statements:
• Help establish fault.
• Insurance Investigation:
• Each insurance company will conduct its own investigation to determine fault.
• Comparative Negligence:
• Texas employs this rule, meaning damages can be adjusted based on each party’s degree of fault.

• Right to Compensation:
• You are entitled to seek compensation for medical expenses, lost wages, and pain and suffering.
• Right to Legal Representation:
• You can hire an attorney to represent your interests and help you understand your legal options.
• Right to Information:
• You have the right to obtain accident reports and information related to the insurance coverage involved.