What Happens if You Are in an Accident With an Uber in Corpus Christi?

Uber is a popular way to get around Corpus Christi, whether you’re headed to the bayfront, the airport, or out for a night downtown. But when an Uber is involved in a crash, figuring out who pays for your injuries and damage can get complicated fast. Here’s what you need to know if you’re in an accident with an Uber in Corpus Christi.

1. Uber’s insurance coverage depends on the driver’s app status at the time of the crash.

• Offline (app off): Only the driver’s personal auto insurance applies, under standard Texas minimum coverage.
• Available, waiting for a ride request: Uber provides limited liability coverage, typically up to $50,000 per person / $100,000 per accident for bodily injury, and $25,000 for property damage.
• En route to pick up a rider, or during a trip: Uber’s $1 million liability policy applies, along with uninsured/underinsured motorist coverage and contingent comprehensive and collision coverage.

2. Texas is an at-fault state, so the responsible driver’s insurance pays first.

If the Uber driver caused the crash on a Corpus Christi street or highway like I-37, the Crosstown Expressway, or Ocean Drive, Uber’s policy may apply depending on their app status. If another driver caused the crash while you were riding in an Uber, that driver’s insurance is typically the primary source of compensation, with Uber’s uninsured motorist coverage available as backup if that driver doesn’t have enough coverage.

3. You may have more than one place to recover compensation.

Depending on the details of your crash, you could potentially recover damages from:

• The Uber driver’s personal insurance
• Uber’s commercial policy
• The other driver’s insurance, if a separate vehicle was involved
• Your own insurance, including personal injury protection (PIP) or underinsured motorist coverage

4. What to do right after an Uber accident in Corpus Christi.

• Call 911 and get medical attention, even if you feel fine at first
• Take photos of the vehicles, the scene, and any visible injuries
• Get the names and insurance information of everyone involved, including the Uber driver
• Report the accident to Uber directly through the app
• Avoid giving a recorded statement to any insurance company, including Uber’s, before talking to a lawyer

5. Uber’s insurance company won’t always make this simple.

Uber’s insurer may argue the driver was offline at the time of the crash, downplay your injuries, or try to minimize your settlement. Having a Corpus Christi car accident lawyer review your case can make a real difference in what you’re able to recover.

If you were hurt in an Uber accident in Corpus Christi, Carrigan & Anderson can help. Our office is based right here in Corpus Christi, and we give clients direct access to our attorneys from the very first consultation, not a call center. Contact us today for a free consultation. Whatever your situation, we are here for you. We work on contingency, no win, no fee.