Ride-sharing platforms like Lyft and Uber enjoy high popularity in Houston, both among residents and tourists who require transportation around the city. The catch is that Lyft rides are less expensive than conventional taxis, and many Houstonians view this ride-sharing platform as more convenient since everything takes place over a mobile app.

But what happens if your Lyft driver gets in an accident? What if your loved one passes away after a catastrophic accident involving a Lyft? What next? Do you have any legal recourse?

In truth, you are just as likely to suffer an injury or wrongful death in a Lyft accident as in any other vehicle. What’s even more telling is that Lyft may be even more dangerous since drivers are more likely to speed, tailgate, or sleep less to make more money. Drivers often also engage in distracted driving as they look at their phones for directions.

To top that off, Houston Lyft crashes are more complicated than other motor vehicle crashes when determining liability and compensation. Various insurance companies may be involved in this process, as well as other third parties.

If you have been involved in a Lyft accident, consider consulting skilled Houston Lyft accident lawyers like those at Johnson Garcia. Backed by over 35 years of experience dealing with personal injury claims, our attorneys are ready to help you with all aspects of your case. Call 832-844-6700 now to discuss your options.

Is a Lyft Driver Insured When Picking Someone Up

When a Lyft driver accepts a ride request in Houston and begins driving toward the client’s location, Lyft provides full auto insurance coverage, which includes a $1 million third-party auto liability policy and first-party coverages like:

  • MedPay
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Personal injury protection

Lyft also offers contingent comprehensive and collision coverage of up to the actual cash value of a Lyft driver’s car if they have such a policy on their personal auto policy.

In Car vs. Not in Car

If a passenger enters a Lyft driver’s car and the driver begins their ride while the app is on, Lyft’s $1 million liability coverage kicks in.

The $1 million Lyft coverage doesn’t apply when a passenger isn’t in the vehicle. However, Lyft maintains separate coverage for drivers involved in accidents with other road users when their apps are online. So if you are not in the vehicle, this coverage may apply if the driver’s personal auto insurance coverage doesn’t apply.

During such incidents, Lyft offers:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury
  • $25,000 per accident for property damage

How Can a Houston Lyft Accident Lawyer Help?

Dealing with insurance companies and getting the compensation you deserve for your medical expenses, lost wages, and pain and suffering isn’t easy. Lyft and insurance companies will try their best to reduce their liability. Hiring an experienced Lyft accident lawyer in Houston can help you navigate this complex process. When an insurance company realizes you’ve enlisted the services of experienced counsel, they tend to change tactics.

At Johnson Garcia, our attorneys understand personal injury law and your legal rights. We have in-depth knowledge of state and federal laws. Insurance companies know our reputation. We don’t back down from a fight and are ready to take your case to court if necessary.

To help you recover maximum damages, our Lyft accident lawyers will prove these four elements of negligence:

  • The defendant owed you — the passenger/plaintiff — a duty of care.
  • They breached their duty by acting negligently.
  • Their negligence led to your Lyft accident and injuries.
  • You suffered damages due to the accident.

You can also expect our Houston personal injury lawyers to:

  • Investigate the accident to find out what and who caused the accident.
  • Obtain relevant data to determine the Lyft driver’s status during the crash.
  • Identify all available sources of insurance.
  • Negotiate with claims adjusters and other insurance representatives on your behalf.
  • Work with Houston medical, scientific, and financial experts to understand the projected costs of your injuries.
  • Defend your rights and interests if someone tries to shift the blame on you.
  • Represent you in court if need be.

Lyft drivers are subject to specific rules in Texas. Those laws tend to change as time passes and new issues emerge. Our car accident attorneys always stay current with such developments, giving you the best chance of recovering maximum compensation after a Lyft accident.

What Happens if Your Lyft Driver Gets in an Accident? Call Johnson Garcia Immediately

We understand how Lyft accident claims can be confusing, especially with all the insurance policies involved. At Johnson Garcia, our renowned legal team has a firm grasp of the insurance policies involved in these car wrecks. Our attorneys can provide the legal support you need to obtain an optimal case result. Whether you need to file an insurance claim or civil lawsuit or you have been denied your rightful compensation, Johnson Garcia is ready to fight for you.

Call us today at 832-844-6700 for immediate assistance. We are available 24/7.