How Much Accident Coverage Do I Have as an Uber Driver in Austin, Texas?

Working as an Uber driver can be an easy way to meet new people while maintaining a flexible schedule and making some extra cash. In large cities like Austin, Texas, the rideshare service industry is booming, providing plenty of job opportunities for people willing to work as a driver.

While the pros may seem to outweigh the cons when it comes to working as an Uber driver, it’s important to understand how the insurance aspect of the job works. In the event that you are involved in an accident in Austin, you may be wondering, “how much accident coverage do I have as an Uber driver in Austin, Texas?” Consulting an experienced attorney in Austin to assist you in the event that you are involved in an accident while driving for Uber can give you the edge as the laws surrounding rideshare services continue to evolve.

How Much Accident Coverage Do I Have as an Uber Driver in Austin, Texas?

While it’s important to keep a pulse on the insurance regulations pertaining to Uber drivers since they continue to evolve, the current way that insurance for rideshare drivers in the Austin area works depends on the stage of your ride that you are in. Although Uber has continued to change their policies to ensure their employees are covered, they also have their best interests in mind. If you are involved in an accident and need further consultation regarding how your insurance works as a driver, you should strongly consider contacting Austin liability lawyers to assist you. The current coverage Uber provides for their drivers is below.

• While you’re waiting for a request: Before you accept any sort of request from a rider, Uber ensures you are covered by their insurance policy for your liability to a third party if you happen to be involved in an accident that is your fault. Liability could include you paying another driver’s medical bills or other damages that may have ensued. Coverage amounts to at least $50,000 in injury liability per person, with $100,000 in total liability per accident and $25,000 in property damage liability per accident. An experienced attorney can explain the breakdown to you in further detail as well as your options should you be injured while waiting for a request.
• While you are in route to pick up a rider: As you drive to pick up a rider, Uber covers three different scenarios.
  • Third party liability coverage
  • Uninsured or underinsured motorist bodily injury coverage
  • Contingent collision and comprehensive coverage
  • If your accident on the way to pick up a rider is related to any of the three scenarios above, Uber provides coverage to you up to a certain amount. Discussing your options with a licensed attorney is important to ensure you are getting the coverage you are entitled to.
• While a rider is inside of your car: When the rider enters your car, all of the coverages listed in the previous point remains the same; however, the passenger in your car is now covered as well. Again, these coverages include:
  • Third party liability coverage
  • Uninsured or underinsured motorist bodily injury coverage
  • Contingent collision and comprehensive coverage
• When you are driving your car for personal use: Any accidents that occur when you are not on your Uber app for work purposes are not covered by Uber. If an accident were to occur, your personal auto insurance coverage would be applicable.

Next Steps for Uber Drivers in Austin

Being informed of how much accident coverage you have as an Uber driver in Austin, Texas, can be key to understanding your options if you have been involved in an accident while working on the Uber app. In addition to staying informed, employing the help of an experienced Austin Uber and Lyft accident attorney can be essential when it comes to navigating the legal process when pursuing compensation for your injuries.

The attorneys with Carabin Shaw will fight tooth and nail while using their knowledge and resources to make sure you are represented fairly in your case. If you’ve been injured in an accident while working as a rideshare driver in Austin, contact our seasoned team of attorneys today at 512-832-1101 or toll-free at 800-862-1260. for a free consultation.

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