In the grand scope of things, ride-sharing is still a new concept that we’re working through as a society. We’re trying to figure out how it works, how it becomes part of the “norm,” and what the future is surrounding ride-sharing. Part of this is solidifying laws and regulations for these companies because when you’ve been injured in a ride-sharing accident in Houston, it gets rough.
Your Driver’s Insurance May Not Cover You
If you’re a passenger, and your driver gets into an accident that causes you trauma or physical injury, there’s a fair chance that you won’t receive any form of compensation for your injury. Ride-sharing companies are touchy; when you get into a car accident as a passenger, they may not offer compensation for your injury, which is when you need a Texas car accident attorney by your side.
When it’s a collision with an Uber driver and you’re in your own car, there’s still an issue that could arise. Since Uber drivers can have insurance specifically to cover them during commercial time, if they’re in a commute on their way home and not currently clocked-in on their Uber app, the insurance doesn’t have to cover your injuries during an accident.
Ride-Sharing Services Have Different Insurance Coverage Policies
For the most part, you’ll be encountering Uber or Lyft since they are the behemoths in the ride-sharing industry. Their insurance policies are similar, but here’s what you need to know about the key differences between them that make or break a claim:
Uber: Three Degrees of Coverage
Uber has their insurance coverage split up into three degrees or periods. Period 1 is the least beneficial type of coverage. If a driver is active on their app and clocked-in, but they’re driving around and waiting for a potential client when an accident occurs, you’re in period 1. Under period 1, the uber driver if at fault will receive coverage by uber if the minimal insurance policy provided by Uber is higher than the personal insurance provided by the driver. These numbers hover at $100,000 and below, depending on liability coverage per person, property damage, and coverage per accident.
Period 2 is when the driver is on their way to pick up a rider, and period 3 is when the driver currently has a rider in their vehicle. Both of these are protected by $1,000,000 bodily injury insurance policies.
Lyft: Two Types of Policy
Though similar in insurance policy coverage amounts, Lyft’s process is a little more straightforward than Uber’s. If the driver’s coverage will not apply, Lyft’s insurance comes in to offer $1,000,000 in personal bodily injury, or $100,000 and lower for per accident, per person, and property damage.
Have You Been in an Accident With a Ride-Sharing Company?
Ride-sharing companies are still in the gray area of the law because they’re still being regulated. Each injury, accident, and case shapes how they will be perceived by the public, and by lawmakers. It’s best to get in touch with a premier Houston car accident attorney as quickly as possible to go over every option regarding compensation and protecting yourself.