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Harris County consistently leads Texas in traffic-related fatalities and injuries, often recording over 60,000 crashes each year. With thousands of daily ride share trips, Houston’s rideshare zones have become some of the area’s most dangerous places to drive.

If you were injured in a wreck, it is important that you understand what happens if multiple insurance policies apply after a ride share crash. Learn more about Uber’s tiered insurance system and what an experienced attorney believes that could mean for your damages claim. Contact KGS Law PLLC today.

Was the App On, But No Passengers Aboard?

If the rideshare driver is at fault for the crash, their personal insurance is considered primary. If that policy holder denies coverage, Uber or Lyft’s contingent coverage may apply, but only if the driver was logged into the app in waiting mode at the time of the accident. However, these policies often come with lower limits, such as $50,000 bodily injury and $25,000 for property damage.

Did the Rideshare Driver Have a Passenger Inside the Vehicle?

When a driver has a paying passenger onboard, a $1 million liability policy from the rideshare company may apply. However, if another driver is at fault, their insurance is primary, and the rideshare policy acts as excess or underinsured motorist coverage.

Could Concurrent Policies Apply?

Yes. If the driver’s personal insurance and the company’s policy both apply, they may engage in litigation to determine which is primary. Unfortunately, this process would potentially delay your compensation. However, the insurance of the driver who caused the accident is generally responsible first.

How We Approach Disputes Over “App Status”

Insurers frequently dispute the driver’s activity to avoid paying claims. A skilled personal injury attorney would approach these challenges by aggressively securing digital data like GPS, trip logs, and timestamps to verify if the driver was logged off, waiting for a ride, or transporting a passenger. We fight corporate attempts to deny liability by using evidence that triggers the coverage that applies to the specific app status.

Find Out What Insurance Applies After Your Ride Share Crash Today

Whether multiple insurance policies apply after a ride share crash or not, you should consult with a KGS Law PLLC attorney right away. Complex insurance coverage is just one aspect of the aftermath of an accident.

Hiring our firm after a rideshare crash is essential to prove liability and maximize compensation against those large corporate insurers. Let us handle investigations, gather evidence, and negotiate for your maximum compensation while you focus on recovery. Do not wait to schedule your free consultation.