Rideshare accidents involve overlapping insurance policies, corporate legal teams, and strict claim deadlines. Knowing which policy applies — and forcing it to pay — requires an attorney.
Liability coverage Uber and Lyft are required to carry while a driver is en route or carrying a passenger
When an Uber or Lyft driver causes an accident, determining which insurance policy applies depends entirely on the driver's status in the app at the time of the crash. Texas law and Uber/Lyft's own policies create three distinct coverage tiers: (1) App off — the driver's personal auto insurance applies, and Uber/Lyft provide no coverage; (2) App on, waiting for a ride request — Uber and Lyft provide limited contingent liability coverage of $50,000 per person and $100,000 per accident; (3) Driver en route to pick up or carrying a passenger — Uber and Lyft's full $1 million liability policy is active.
Uber and Lyft have teams of lawyers and claims adjusters whose sole purpose is to minimize payouts. They will dispute which tier applies, argue that the driver was acting outside the scope of the platform, or attempt to characterize the accident as the driver's personal liability — not the company's. Without an attorney who understands the rideshare insurance framework, victims routinely accept far less than they are owed.
Alam Law Firm immediately secures the driver's app status records, preserves available dashcam and GPS data, and files claims against every applicable policy — the driver's personal insurer, the platform's corporate policy, and any uninsured/underinsured motorist coverage available to you. We handle all negotiations and litigation on a contingency basis.
Who We Represent in Rideshare Cases
If you were a passenger injured while riding in an Uber or Lyft, you are covered by the platform's $1 million policy regardless of who caused the accident — the rideshare driver or another vehicle.
If a rideshare driver struck you while you were walking or cycling and the app was active, the platform's commercial policy applies. We determine coverage and pursue maximum recovery.
When an Uber or Lyft driver crashes into your vehicle, we identify which insurance tier applies, force the correct policy to respond, and fight for compensation covering all of your damages.
When the at-fault driver's coverage is insufficient, we pursue every available uninsured/underinsured motorist policy — including your own — to ensure you are fully compensated.
If the driver's app was off, their personal auto insurance is the primary source of recovery. We investigate coverage limits and pursue all available policies to maximize your claim.
Uber and Lyft classify drivers as independent contractors to limit liability. If you are a driver injured by a third party while the app was active, you may have access to the platform's uninsured motorist coverage.
Why Choose Us
01
You speak directly with the attorney who handles your case from the first call through to the final resolution — no hand-offs to paralegals or case managers.
02
Legal emergencies don't follow business hours. Call or text us any time of day, any day of the week, and a real person will answer.
03
We advance all case costs and charge no attorney fees unless we recover compensation for you. Zero financial risk to get started.
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