How Insurance Works in Uber and Lyft Accidents in El Paso

Rideshare services like Uber and Lyft have changed the way people travel around El Paso. Whether you’re heading to the airport, downtown nightlife, or just trying to avoid the stress of I-10 traffic, these services offer a convenient alternative to driving. But when a crash happens—whether you’re a passenger, another driver, or even a pedestrian—the question of who pays becomes complicated.

At Flores Mendez Law, we’re here to help you understand how insurance works after a rideshare accident in El Paso and what steps you can take to protect your right to compensation.

When Does Uber or Lyft Insurance Apply?

Uber and Lyft both carry third-party liability insurance, but it only applies during certain phases of a rideshare trip. Here’s a breakdown of how coverage works based on what the driver was doing at the time of the accident:

1. App Off

If the driver is not logged into the app, they are considered off-duty. Any accident that happens during this time is covered only by the driver’s personal auto insurance.

2. App On, No Ride Accepted

If the driver is online but has not yet accepted a ride, both Uber and Lyft provide contingent liability coverage:

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

This coverage kicks in only if the driver’s personal insurance denies the claim or is insufficient.

3. Ride Accepted to Drop-Off

Once a ride is accepted, full commercial coverage applies:

• $1 million in third-party liability.
• Uninsured/underinsured motorist coverage.
• Contingent collision and comprehensive coverage (if the driver has personal coverage).

This is the most robust coverage and applies whether you’re the rideshare passenger, another driver, a cyclist, or a pedestrian injured during the ride.

What If You’re a Passenger in an Uber or Lyft?

If you’re riding in an Uber or Lyft in El Paso and your driver causes a crash—or is hit by another driver—you’re generally covered under the company’s $1 million liability policy. This means you can file a claim for:

• Medical bills
• Lost wages
• Pain and suffering
• Other crash-related damages

However, rideshare companies often delay or deny claims, especially if there’s a dispute about who was at fault. That’s where having an experienced attorney can make a difference.

What Happens If the At-Fault Driver Has No Insurance?

Texas law requires all drivers to carry liability insurance, but not everyone follows the rules. If you’re hit by an uninsured or underinsured driver while in a rideshare vehicle, Uber and Lyft provide uninsured/underinsured motorist (UM/UIM) coverage. This can help cover your injuries and losses even if the at-fault party has little or no insurance.

Do You Need a Lawyer After a Rideshare Accident?

Yes—rideshare accident claims are more complex than typical car accidents. Multiple insurance policies may be involved, and companies like Uber and Lyft have legal teams working to reduce payouts. At Flores Mendez Law, we investigate the accident, identify all sources of insurance coverage, and fight to make sure you’re not left paying for someone else’s mistake.

Speak With an El Paso Uber and Lyft Accident Lawyer at Flores Mendez Law Today

If you were injured in an Uber or Lyft crash, don’t try to navigate the insurance process alone. At Flores Mendez Law, we’re committed to protecting injured passengers, drivers, and pedestrians across West Texas. Let us help you understand your rights. Call the El Paso Uber and Lyft accident lawyers at 915-308-9999 or contact us online for a free consultation. Located in El Paso, Texas and Las Cruces, New Mexico, we serve clients in the surrounding areas.