What are my rights as an injured Uber or Lyft passenger?

Your Rights as an Injured Uber or Lyft Passenger in Texas

As a passenger in an active Uber or Lyft ride, you have access to the platform’s $1 million Period 3 commercial liability policy regardless of who caused the crash. If the rideshare driver caused the accident, the platform’s own policy covers you. If another driver caused the crash, the platform’s UM/UIM coverage applies alongside that driver’s policy. You bear no comparative fault as a passenger — you recover 100% of your documented damages.

Coverage Available to You as a Passenger

• Uber’s $1M commercial policy through James River Insurance (or Lyft’s through Zurich) if the rideshare driver was at fault
• The at-fault third-party driver’s personal policy plus the platform’s UM/UIM if another driver caused the crash
• Exemplary damages under Tex. Civ. Prac. & Rem. Code §41.003 if the driver was impaired

The No-Fault Passenger Advantage

As a passenger, you bear no comparative fault for the accident regardless of which driver caused it. Under Texas’s modified comparative fault system, your recovery is not reduced by any percentage of fault. You recover 100% of your documented damages — unlike drivers who may face comparative fault reductions that reduce their net recovery.

Protect Your Period 3 Status

Screenshot your app trip screen immediately after any accident. Platforms have a financial incentive to argue the trip had not started (Period 2) or the driver was offline (Period 1) — reclassifying your crash reduces their coverage obligation by up to $950,000. Wayne Wright secures trip log data from the platform within 24 hours of retention to lock in your Period 3 status.

Call 210-888-0078 — available 24 hours a day. No fee unless we win.