Insurance adjusters handling Uber accidents in Royse City have a strategy, and it starts the moment you report the crash. They know most passengers don’t understand the three-phase coverage system with rideshare accidents. They count on you accepting their first offer before you realize which insurance policy should actually pay your claim.
When rideshare crashes happen here, multiple insurance companies get involved, and each one tries to avoid responsibility. At The Texas Law Dog, our team bites back against these tactics.
As a rideshare accident lawyer in Royse City, we know exactly how insurance companies operate in Rockwall County and how to counter their playbook. Contact our Royse City Uber accident lawyers for a free consultation.
How Uber’s Three-Phase Coverage System Gets Used Against You
Uber carries different insurance coverage depending on what the driver was doing when your accident happened.
- Phase one is when the app is off—only the driver’s personal insurance applies, and it usually excludes commercial activity.
- Phase two is when the driver is logged in but hasn’t accepted a ride—Uber provides $50,000 in liability coverage.
- Phase three is when the driver accepts your ride or you’re in the vehicle—that’s the full $1 million policy carried by Uber.
Insurance adjusters exploit the gaps between these phases. They’ll argue the driver was between rides when the crash actually happened during a trip. They’ll claim the app was logged off when GPS data proves otherwise. They know most passengers can’t access the driver’s app status at the time of the accident, so they make arguments that sound plausible but aren’t true.
Working with a car accident lawyer in Royse City who knows how to get access to the driver’s app data can make a real difference in how your case progresses. You’ll get that with The Texas Law Dog.
Texas Insurance Laws That Create Claim Complications
Texas requires Uber to carry $1 million in liability coverage when a driver has a passenger or is heading to a pickup. But Texas law also treats rideshare drivers as independent contractors, which Uber uses to argue they’re not responsible for driver negligence. Usually, you have to completely exhaust all driver insurance before you can get compensation from Uber directly.
Adjusters routinely argue that passengers contributed to accidents through distraction, improper seatbelt use, or causing the driver to rush. They make these arguments even when they have no evidence, knowing most people will accept reduced settlements rather than fight. Our personal injury lawyer in Royse City will work to set the record straight.
An insurer may also try to claim that you contributed to the accident in some way. Under Texas law, that can reduce your compensation if they can prove it. If they can prove you were more than half responsible, then you could get nothing. If you don’t have a lawyer, fighting their accusations can be very difficult.
Royse City Uber Accident Lawyer Near Me (817) 775-5364
About Our Uber Accident Lawyers in Royse City
We built The Texas Law Dog with deep roots in North Texas communities like Royse City. Our founder grew up on a farm in East Texas, learning that you handle your own problems and stand up for what’s right. That backbone shows up in how we fight insurance companies trying to underpay rideshare accident claims.
Before practicing law, our founder owned insurance agencies. That insider experience taught us how adjusters evaluate claims, what authority levels they have, and when they need supervisor approval for settlements. That background lets us negotiate from strength because we know exactly how the other side thinks.
Our strategy emphasizes early intervention. The sooner we get involved, the better we protect your rights and preserve evidence.
- We stop you from giving recorded statements to insurance adjusters that hurt your claim.
- We make sure you see doctors who document injuries properly for insurance purposes.
- We handle all communication with Uber and their insurance carriers so you can focus on recovery.
When you need a lawyer with rideshare accident experience, the team to call is Texas Law Dog and our Uber accident lawyers in Royce City.
Let Insider Knowledge Work for Your Uber Accident Case
Insurance adjusters count on you not knowing their playbook. They assume you’ll accept their first offer before you understand which coverage applies. They’re wrong when you have an attorney who knows their tactics and counters them effectively.
The Texas Law Dog combines insider insurance industry knowledge with local Rockwall County court experience. We know how adjusters evaluate rideshare claims because we used to work in that industry. We understand what Rockwall County judges expect and what local juries reward. That combination gets results.
Contact us today for a free consultation about your case. Let our Uber accident attorneys in Royce City take over talking with the insurers. We’ll help you get the most money possible from your accident.
