Find an Uber or Lyft accident lawyer in El Paso: coverage, airport rides and next steps

Last checked November 8, 2026

If you were hurt in an Uber or Lyft in El Paso, Texas requires at least $1 million in coverage during a prearranged ride.1 EPPD Records has city crash reports for $6.23 Most lawsuits must be filed within 2 years.4 Ask the driver, right away, whether the app was on.5

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Road map of El Paso showing the route between El Paso International Airport and Downtown, a common trip for Uber and Lyft riders
Texas requires $1 million in coverage during a prearranged ride. Map data © OpenStreetMap contributors.

How much insurance covers an Uber or Lyft crash in El Paso?

It turns on what the driver was doing when the crash happened. That is why the app status is the first fact to pin down.

What the driver was doingCoverage Texas requires
App on, waiting for a rideAt least $50,000 per person, $100,000 per incident and $25,000 property6
On a prearranged rideAt least $1 million per incident1
App offJust the driver's own policy, if there is one

A driver's personal policy can leave out the time when the driver is logged on or giving a ride.7 If that policy lapsed or falls short, the rideshare company must provide the required coverage from the first dollar.8

What should I do right after an Uber accident in El Paso?

  1. Call 911 if anyone is hurt. For trauma care, the area has University Medical Center at Level 1 and Providence East Campus at Level II.910
  2. Take a screenshot of the trip in your app, with the driver's name, car and plate.
  3. Ask the driver if the app was on. If you are directly involved and you ask, Texas says the driver must tell you.5
  4. Report the crash in the app, and keep to the basic facts.
  5. Get the other driver's name and insurer. Texas drivers must carry at least $30,000 per person.11
  6. Buy the report when it is ready: EPPD Records for city streets, or TxDOT for any Texas officer's report.1213

What if my Uber crashed at El Paso International Airport?

The airport lists Andale Ride, Lyft and Uber as pre-arranged rides.14 Waiting at the curb is prohibited there, and the free cell phone lot is the place to wait.15 That means drivers may circle or pull in and out quickly, so note whether your driver was in the terminal lanes, in the cell phone lot or on the road away from the airport.

One local detail can change your deadline. El Paso International Airport is a department of the City of El Paso.16 A crash with another Uber or a private car is a normal claim against that driver. But if a city shuttle, a city worker or a dangerous airport condition caused your injury, the City's sworn 90-day notice can apply.1718

We could not find a public airport page that spells out exactly where Uber and Lyft cars must load, or a count of rideshare crashes in El Paso. Your own trip screen and photos are the most reliable record of where you were.

Where do rideshare crashes happen in El Paso?

No agency here publishes rideshare crash numbers that we could find, but the places riders go are the places crashes cluster. The regional planning agency names Downtown El Paso along with IH-10, US 54 and Loop 375 among its hot spots.19 Eighty-seven percent of the city's severe crashes happened at intersections.20

Night rides need special care. The city found that 11.5% of crashes involved a positive alcohol test.21 A passenger is not to blame for another driver's drinking. If you were getting out of a car at the curb when you were hit, the shape of your claim may change, so write down exactly where you stood.

I drive for Uber in El Paso and got hurt. Who pays?

If another driver caused the crash, start with that driver's insurer. If that person had no coverage or left, check what the rideshare policy covers for your app status at that moment. Ask for the policy in writing. Texas's 50% fault rule applies to you as well.22

Be careful about calling this a work injury. Whether you count as an employee is a separate question, and the answer affects other options. A lawyer who handles rideshare claims can walk you through it.

What should I ask an Uber accident lawyer in El Paso?

  • Which coverage stage do you think my crash falls in, and how will you prove it?
  • Will you ask the company for the trip data right away?
  • Does any city or state notice apply to my crash?
  • What happens if the other driver has no insurance?23

Questions

How long do I have to sue after an Uber crash in El Paso?

Generally 2 years.4 If the City of El Paso caused the harm, a sworn notice is due in 90 days, or 6 months for good cause.17

Does Uber have to pay if the driver's insurance doesn't?

If the driver's policy lapsed or falls short, the company must provide the required coverage from the first dollar.8

Is the airport part of the City of El Paso?

Yes. It is a city department, which can matter if a city worker or condition caused your injury.1617

How do I get the report for my Lyft crash?

EPPD Records sells city reports for $6.23 TxDOT holds all Texas crash records.24

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El Paso

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Texas

Sources

  1. Tex. Ins. Code § 1954.053(1), checked 2026-11-08. “coverage with a total aggregate limit of liability of $1 million for death, bodily injury, and property damage for each incident;”
  2. El Paso Police Department, Records & Reports, checked 2026-11-08. “EPPD RECORDS DIVISION 911 N. Raynor St El Paso, TX 79903”
  3. El Paso Police Department, Records & Reports, checked 2026-11-08. “Accident or Crash Reports $6.00”
  4. Tex. Civ. Prac. & Rem. Code § 16.003, checked 2026-11-08. “not later than two years after the day the cause of action accrues”
  5. Tex. Ins. Code § 1954.056(b), checked 2026-11-08. “On request, a driver shall also disclose to a directly interested person, automobile insurer, and investigating peace officer whether, at the time of the collision, the driver was: (1) logged on to the company's digital network; or (2) engaged in a prearranged ride.”
  6. Tex. Ins. Code § 1954.052, checked 2026-11-08. “(A) $50,000 for bodily injury to or death for each person in an incident; (B) $100,000 for bodily injury to or death of a person per incident; and (C) $25,000 for damage to or destruction of property of others in an incident;”
  7. Tex. Ins. Code § 1954.151(a), checked 2026-11-08. “An insurer may exclude from coverage under a personal automobile insurance policy issued to an owner or operator of a personal vehicle any loss or injury that occurs while a transportation network company driver using the personal vehicle: (1) is logged on to a transportation network company's digital network; or (2) is engaged in a prearranged ride.”
  8. Tex. Ins. Code § 1954.054, checked 2026-11-08. “the transportation network company shall provide the coverage required by this subchapter beginning with the first dollar of a claim against the driver.”
  9. UMC El Paso, 2024 Annual Report, checked 2026-11-08. “UMC Receives Reverification as Level 1 Trauma Center”
  10. The Hospitals of Providence, Awards & Distinctions, checked 2026-11-08. “The Hospitals of Providence East Campus is recognized as a Major Level II Trauma Center”
  11. Tex. Transp. Code § 601.072(a-1), checked 2026-11-08. “(1) $30,000 for bodily injury to or death of one person in one collision; (2) $60,000 for bodily injury to or death of two or more persons in one collision, subject to the amount provided by Subdivision (1) for bodily injury to or death of one of the persons; and (3) $25,000 for damage to or destruction of property of others in one collision.”
  12. El Paso Police Department, Records & Reports, checked 2026-11-08. “The EPPD Records Division provides access to official reports, including accident, incident, and offense records”
  13. TxDOT, Crash reports and records, checked 2026-11-08. “$6 for a regular copy. $8 for a certified copy”
  14. El Paso International Airport, Pre-Arranged Rides, checked 2026-11-08. “Andale Ride Learn More Lyft Learn More Uber Learn More”
  15. El Paso International Airport, Cell Phone Lot, checked 2026-11-08. “Curbside waiting is prohibited at El Paso International Airport”
  16. El Paso International Airport, Employment, checked 2026-11-08. “The El Paso International Airport is a department of the City of El Paso”
  17. City of El Paso City Attorney, Filing a Claim, checked 2026-11-08. “shall within 90 days or within 6 months for good cause shown from the date the damage occurred or the injury was received, give notice in writing to the mayor”
  18. City of El Paso City Attorney, Filing a Claim, checked 2026-11-08. “shall be sworn to by the person claiming damages or by someone authorized by him to do so on his behalf”
  19. El Paso MPO, RMS 2052 Metropolitan Transportation Plan, Chapter 4, checked 2026-11-08. “particularly Downtown El Paso and along major corridors such as IH-10, SH 20, US 62, Loop 375, US 54, and US 85”
  20. City of El Paso, Vision Zero Action Plan (June 2023), checked 2026-11-08. “87% of KSI crashes occurred at an intersection”
  21. City of El Paso, Vision Zero Action Plan (June 2023), checked 2026-11-08. “11.5% of crashes involve a positive alcohol test”
  22. Tex. Civ. Prac. & Rem. Code § 33.001, checked 2026-11-08. “a claimant may not recover damages if his percentage of responsibility is greater than 50 percent”
  23. Tex. Ins. Code § 1952.101(b)-(c), checked 2026-11-08. “unless the insurer provides uninsured or underinsured motorist coverage in the policy or supplemental to the policy. (c) The coverage required by this subchapter does not apply if any insured named in the insurance policy rejects the coverage in writing.”
  24. TxDOT, Crash reports and records, checked 2026-11-08. “TxDOT is the custodian of crash records for the state of Texas”

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