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Who’s liable if you’re injured in a taxi accident?

Most people in Harris would probably estimate the likelihood of their ever being involved in a commercial vehicle accident to be very low. After all, how difficult can it be to avoid those large trucks on the road? Yet what they often fail to realize is that the title “commercial vehicle” extends to any vehicle used for business purposes, including buses, delivery vans, and taxis.

According to the Bureau of Labor Statistics, there are currently 12,490 people employed in the taxi and chauffeur industry in Texas. If you’re like most, you’ve probably had to at least on one occasion take a taxi from an airport or to business meeting. Have you ever asked yourself who would be liable if you were to be injured in a taxi accident?

Much like commercial truckers, taxi drivers typically own their own vehicles and/or work under the direction of a parent company. Thus, they’re subject to many of the same liability guidelines. In this case, however, the cargo that they’re transporting is you.

When taxi cab collisions occur, insurance companies handle them much the same as way that they deal with standard auto accidents. The bodily injury and property damage portion of the driver’s or the taxi company’s insurance is expected to pay for your expenses. In cases where multiple passengers are involved, those benefits are spread out equally. Thus, it’s not uncommon to see your portion of the insurance settlement to be insufficient to cover all of your accident expenses. Should this happen, your own medical and property insurance would be expected to cover the remaining balances.  

Although this information shouldn’t be viewed as legal advice, it may prove helpful when dealing with the results of a taxi crash. 

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