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When your rideshare trip ends in a crash, you’re left wondering who pays for what. The driver’s insurance? Uber’s policy? Your own coverage? Most people don’t realize that Uber accident claims work differently from regular car wrecks. The insurance that applies depends on whether the driver had the app on, whether they’d accepted a ride, and a dozen other factors that change by the minute.
Jay Murray Law handles Uber accident cases across Dallas, from Deep Ellum to North Dallas, Lake Highlands to Oak Cliff. We’ve spent years learning how rideshare companies handle claims, and honestly, they don’t make it easy. Uber has three different insurance policies that might apply to your crash, and they’ll point to whichever one pays you the least.
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Rideshare accidents create confusion that regular crashes don’t. When someone hits you in a regular car, their insurance handles it. When an Uber driver hits you, or you’re riding in an Uber that crashes, multiple insurance companies start arguing about who should pay. We’ve seen adjusters spend months passing your claim between different policies while your medical bills pile up.
Dallas sees hundreds of Uber accidents every year. Addison adds a new layer when rideshare drivers unfamiliar with the area navigate busy roads near the airport. Downtown Dallas rideshare pickups during rush hour create dangerous situations when drivers stop suddenly or change lanes without looking. Lower Greenville sees weekend crashes when Uber drivers deal with bar traffic and distracted pedestrians.
The first call you make after an Uber accident matters. Most people call Uber’s support line and get nowhere. The app directs you to file a claim, but nobody tells you that Uber’s insurance adjuster isn’t working for you. They work for Uber. Their job is to pay as little as possible or deny your claim entirely.
Uber provides different insurance coverage depending on what the driver was doing when the crash happened. If the driver had the app off, their personal insurance applies (which usually excludes commercial use). If they had the app on but hadn’t accepted a ride, Uber provides limited liability coverage. If they’d accepted your ride or were taking you somewhere, Uber’s full policy kicks in.
This matters because most personal auto insurance policies exclude coverage when drivers use their cars for rideshare work. We’ve seen drivers lose everything because they thought their personal policy would cover an accident that happened while they were waiting for Uber ride requests.
Period 1 is when the driver has the app on but hasn’t accepted a ride yet. Uber provides $50,000 per person and $100,000 per accident for injuries, plus $25,000 for property damage. That sounds like a lot until you spend three days in a Dallas hospital. One CT scan and an overnight stay can burn through $50,000 fast.
Period 2 starts when the driver accepts your ride request and ends when you exit the vehicle. During this time, Uber provides $1 million in liability coverage. This policy also includes uninsured motorist coverage if another driver hits your Uber and doesn’t have insurance.
The problem is proving which period applies. Drivers sometimes say the app was off when it wasn’t, or claim they’d dropped off their last passenger when the crash happened during a ride. Phone records, app data, and GPS logs become evidence, and Uber doesn’t hand that information over easily.
Getting hurt as an Uber passenger feels different than a regular car crash. You didn’t choose the driver. You couldn’t see how fast they were going. You were probably looking at your phone when the impact happened. Then you’re injured, possibly seriously, and you don’t even know the driver’s last name.
Texas law says rideshare passengers can file claims against the driver, Uber’s insurance, or another driver if they caused the crash. Sometimes all three bear responsibility. A drunk driver might run a red light and hit your Uber, but if your Uber driver was speeding and couldn’t stop in time, both drivers share fault.
Common injuries we see in Dallas Uber accidents include whiplash, back injuries, broken bones, head trauma, and cuts from broken glass. Rear-end collisions on Central Expressway cause neck and spine injuries that don’t show symptoms for days. T-bone crashes at Dallas intersections often result in broken ribs, shoulder injuries, and head trauma.
Medical treatment after an Uber accident shouldn’t wait. Some people avoid the hospital because they worry about bills, but waiting makes their injury claim harder to prove. Insurance companies argue that you weren’t really hurt if you didn’t seek immediate treatment. They’ll say your back pain came from something else or that you’re exaggerating symptoms.
Document everything. Take photos of visible injuries, keep every medical bill and receipt, and write down how the injury affects your daily life. Can’t pick up your kids? Write it down. Missing work? Document lost wages. These details matter when we calculate what your claim is worth.
Driving for Uber seemed like easy money until you got hit. Now your car is totaled, you’re injured, and Uber’s insurance is giving you the runaround. Your personal insurance denied the claim because you were using your car for commercial purposes. You need your car for work, but you can’t afford repairs without an insurance payout.
Dallas Uber drivers face unique legal challenges after accidents. Commercial insurance exclusions mean personal policies won’t cover crashes that happen during rideshare work. But Uber’s insurance only applies in specific situations, creating coverage gaps that leave drivers exposed.
We represent Uber drivers who get injured by other drivers, who face claims from passengers, and who need help navigating the insurance maze after a crash. If another driver hit you while you were online, you deserve compensation for your injuries and lost income. If a passenger claims you caused their injuries, you need protection against inflated claims.
Uber’s insurance structure puts drivers at risk. The company classifies drivers as independent contractors, which means you don’t get workers’ compensation if you’re injured on the job. You can’t sue Uber for your injuries. You’re stuck filing a claim against whoever hit you and hoping their insurance is good enough to cover your damages.
Some drivers don’t realize they need commercial insurance or rideshare endorsements on their personal policies. Standard auto insurance doesn’t cover accidents that happen during rideshare work. If you’re in Period 1 (app on, no ride accepted) and cause an accident, Uber’s contingent coverage only applies after your personal insurance. But if your personal policy excludes commercial use, you might have no coverage at all.
Your family was hit by an Uber driver who ran a stop sign in Lakewood. Or maybe an Uber driver sideswiped your car while checking their phone for the next ride. The driver caused the crash, but getting compensation means dealing with Uber’s insurance company and their team of adjusters trained to minimize payouts.
Third-party claims happen when an Uber driver injures someone who wasn’t their passenger. You were driving your own car, walking across the street, or riding your bike when an Uber driver hit you. These claims get complicated because you have to prove the driver was working for Uber at the time and that Uber’s insurance applies.
Uber’s lawyers will investigate whether the driver had the app on and whether they’d accepted a ride. They’ll look for any reason to deny coverage or reduce the payout. They might argue the driver was off duty, that you share fault for the accident, or that your injuries aren’t as serious as you claim.
Texas uses proportionate responsibility rules, which means if you’re partially at fault for the crash, your compensation gets reduced by your percentage of fault. If a jury decides you were 20% responsible because you were speeding, your $100,000 claim becomes $80,000. Insurance companies use this rule to blame victims and reduce payouts.
We investigate Uber accidents by obtaining app records, GPS data, and witness statements. We reconstruct the crash to prove the driver’s fault and establish which insurance policy applies. We document your injuries with medical records and expert testimony. We calculate your damages, including medical bills, lost wages, pain and suffering, and future treatment costs.
Another driver hit your Uber and fled the scene. Or they stopped, but they don’t have insurance. You’re injured, your medical bills are piling up, and the at-fault driver can’t be found or can’t pay. This is when uninsured motorist coverage matters.
Uber provides uninsured and underinsured motorist coverage during Period 2 (from ride acceptance to drop-off). If another driver hits your Uber and doesn’t have adequate insurance, Uber’s UM/UIM coverage should compensate you. But Uber’s insurance treats these claims like any other: they look for reasons to deny or reduce payment.
Hit-and-run accidents require quick action. Police reports matter more in these cases because you need documentation of the crash. Witness statements become critical when the at-fault driver can’t be identified. Intersection cameras, business security footage, and dashcam videos might capture the hit-and-run vehicle.
Your own auto insurance might also provide UM/UIM coverage that applies to rideshare accidents. Texas requires insurance companies to offer this coverage, though you can reject it in writing. If you have UM/UIM coverage on your personal policy, it might stack with Uber’s coverage or provide primary coverage depending on your policy language.
These claims involve fighting with insurance companies that don’t want to pay. They’ll argue the hit-and-run driver wasn’t really at fault, that you can’t prove another vehicle caused the crash, or that your injuries aren’t related to the accident. They’ll delay the claims process, hoping you’ll give up or accept a low settlement.
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Losing someone in an Uber accident creates unimaginable pain. One minute, they texted that they were on their way home. The next minute, the police are at your door. The days that follow blur together while you plan a funeral and try to explain to your kids why mom or dad isn’t coming home.
Texas law allows certain family members to file wrongful death claims when someone dies because of another person’s negligence. Spouses, children, and parents of the deceased can seek compensation for their loss. These claims can recover funeral expenses, lost financial support, loss of companionship, and mental anguish.
Wrongful death cases involving Uber accidents require proving that the driver or another party caused the death through negligence. We investigate the crash, examine vehicle black box data, review toxicology reports, and consult accident reconstruction experts. We identify all liable parties and all available insurance coverage.
Uber’s $1 million liability policy applies during active rides, but wrongful death damages often exceed policy limits. We look for additional coverage through the at-fault driver’s personal insurance, other vehicles involved in the crash, or third parties whose negligence contributed to the accident. A bar that overserved a drunk driver who killed someone might share liability. A city that failed to maintain a dangerous intersection might bear responsibility.
These cases take time. Insurance companies don’t write million-dollar checks easily. They investigate thoroughly, they challenge liability, and they dispute damages. Families deserve time to grieve without fighting insurance adjusters, and we handle these battles so they can focus on healing.
We’ve handled rideshare accident claims since Uber started operating in Dallas. We’ve learned how these companies handle claims, which adjusters play fair, and which tactics they use to avoid paying. We know the difference between Period 1 and Period 2 coverage matters when your claim is worth $50,000 or $1 million.
Our firm doesn’t charge upfront fees. We work on contingency, which means we get paid only if we recover money for you. If we don’t win your case, you don’t owe us attorney fees. This arrangement lets injured people afford quality legal representation without worrying about hourly bills.
Dallas rideshare accidents require local knowledge. We know which intersections see the most crashes. We understand how road construction on 75 creates dangerous situations for rideshare drivers. We’ve handled cases in every Dallas neighborhood from Preston Hollow to Pleasant Grove.
Insurance companies take cases more seriously when lawyers get involved. Claims that go nowhere for months suddenly move forward when we file suit. Adjusters who offered $5,000 settlements suddenly find authority to pay $50,000 when they face trial. The difference is having someone who knows insurance law and isn’t afraid to fight.
We investigate your accident thoroughly. We obtain police reports, medical records, witness statements, and app data. We hire accident reconstruction experts when needed. We document every medical treatment and calculate your total damages, including future care. We negotiate with insurance adjusters from a position of strength because we’ve built a strong case.
Most cases settle before trial, but we prepare every case like it’s going to court. Insurance companies know which lawyers are bluffing and which ones will actually take a case to verdict. Our trial experience makes settlements happen faster and for more money.
You can reach Jay Murray Law 24 hours a day. Accidents don’t happen on a schedule, and your questions don’t wait for business hours. Call us right after an Uber accident or weeks later when the insurance company denies your claim. We offer free consultations to review your case and explain your options.
Dallas Uber accident victims deserve compensation for their injuries, lost wages, and pain. Rideshare companies make billions while injured passengers fight for fair treatment. We level that fight. Contact Jay Murray Law to discuss your Uber accident case and learn what your claim is worth.
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