In the past decade, ride-sharing has become increasingly popular because it offers an affordable alternative to traditional taxis. However, if you are in a car accident involving a ride-share vehicle, you may be wondering who is liable. Below is more information about who you can hold responsible for the accident according to Texas law.

Understanding the Ride-Share Business Model

The ride-share business model connects drivers and riders through mobile technology. You download an app to your phone to “hail” a driver. Drivers work for the ride-share company on an independent basis, using their own vehicles. They aren't employees of the larger company; they are more like contractors.

Ride-Share Insurance Under Texas Law

Technically, ride-share drivers should get supplemental auto insurance to cover damages that they may cause as a commercial driver. Unfortunately, many drivers don’t do this. Thus, Texas law requires that ride-sharing companies have insurance to cover injuries or damages their drivers may cause.

Additionally, Texas requires ride-sharing companies to have liability insurance, which applies whenever the driver's ride-sharing app is on—even if there is no passenger in the car. Coverage must include up to $50,000 per person and up to $25,000 in property damage, per crash.

As with any car accident claim, you must prove two points when seeking compensation—liability and damages. For liability, you must prove the other person's negligence caused the incident. For damages, you must prove that you experienced injuries because of the incident.

What to Do If You’re In a Ride-Share Accident

If you in a car accident involving a ride-share driver and experience an injury, you can bring a claim directly against the driver. If they have commercial insurance, this should apply. If they don't, the ride-sharing service's insurance may apply.

In any case, you must prove the driver’s liability. File a formal report with the police, and take photos at the scene, your car, and their car. Make sure to include any relevant information in the photos, such as a stop sign that the driver went through. Also, get contact details of any witnesses. Finally, see a doctor and keep all medical records, as these are proof of damages.

Ride-share car accident cases are complex, and you need a skilled legal team to help you navigate the process. Let Reed & Terry L.L.P. of Sugar Land, TX, assist you in this complicated legal field. These attorneys have been serving Harris and Fort Bend counties for over 26 years. They pride themselves on their proactive communication with clients, making themselves available by phone, email, or text. Visit the website for more information about their practice areas. Call (281) 491-5000 for a free case review.