It depends entirely on what the driver was doing when the crash happened, and Texas Insurance Code Chapter 1954 sets three tiers. App off: the driver's personal policy, with no rideshare coverage at all. Logged on and waiting for a request: at least $50,000 per person, $100,000 per crash, and $25,000 property damage. Driving to a rider or carrying one: a $1 million aggregate limit. The difference between the middle tier and the top tier can be a factor of ten, which is why establishing the trip status is the first job in every one of these claims.

Not by rideshare insurance. A driver who is logged out is legally in the same position as any other motorist, so the claim runs against their personal auto policy. There is a complication worth knowing about: many personal policies exclude driving for hire, and carriers sometimes try to apply that exclusion to a driver who was between shifts. Establishing that the app was genuinely off, through the driver's own app data, protects you from being caught between two insurers who each say the other one owes.

No, and this is the most reassuring thing about a passenger claim. A rider in the back seat has no share of the fault, so you can pursue whichever driver was responsible, or both at once, and let them sort out the percentages between themselves. The dispute over who ran the light does not reduce what you recover. It only affects which insurer ultimately writes the check.

Usually not directly. Both companies classify drivers as independent contractors, which is the legal structure that keeps the company itself out of most cases. That is precisely why the $1 million policy matters so much: it is the coverage that answers even when the corporation is not a defendant. Where the company can be brought in directly, it is generally through a claim that it was negligent in its own right, such as retaining a driver it knew was dangerous.

You still have a claim, and possibly two. The at-fault driver's liability policy comes first. If their limits are too low to cover your injuries, which is common given that Texas requires only $30,000 per person, the rideshare policy's uninsured and underinsured motorist coverage may sit behind it. Riders regularly assume that a crash caused by someone else means the rideshare coverage is irrelevant. It often is not.

Yes, and do it before you leave the scene if you are able. The in-app report timestamps the trip, ties your account to that specific vehicle and driver, and creates a record inside the company's own system that you were a rider at that moment. Everything else in the claim depends on that one fact being unarguable. Screenshot the trip receipt and your ride history as well, because your own copy is the one nobody can take back.

Your claim runs against the at-fault driver first, and the rideshare policy's uninsured or underinsured motorist coverage may apply on top of it. The trap is on the other side: your personal auto policy may deny the claim outright if it excludes commercial use, and many do. Drivers who carry a rideshare endorsement are in a much better position than those who do not, and finding out which you have should not wait until after a crash.

Trip receipts, app ride history, GPS records, payment records, and the driver's own trip log. The company holds most of it, and access can become harder over time as accounts change and retention schedules run. Take screenshots of the ride in your history the same day. It takes a minute and it removes the single most avoidable dispute in a rideshare case.

It will treat you the way a commercial carrier treats a large exposure, which means a thorough investigation and a settlement posture built on what you can document. A $1 million policy is a ceiling, not an offer, and no part of it is paid because the number exists. What moves these claims is medical documentation, consistent treatment, and evidence of how the injury changed your work and your daily life.

That changes the analysis in two ways. It can support claims against the company itself for negligent hiring, retention, or supervision, which are separate from ordinary vehicle negligence. It also often falls outside the auto policy, because intentional acts are commonly excluded, so the recovery may have to come from somewhere other than the $1 million coverage. These cases need to be assessed early and handled differently from a collision claim.

Two years from the crash under Civil Practice and Remedies Code § 16.003. The practical deadline is much earlier, because the evidence that makes a rideshare case, the trip data, the driver's app status, the in-vehicle dash camera many drivers run, sits on retention schedules measured in months. A preservation demand sent early is what keeps it available.

El bufete tiene su sede en Austin y representa a clientes en todo Texas, principalmente en los condados de Travis, Williamson y Bastrop.

La certificación de especialidad otorgada por el Colegio de Especialización Legal de Texas reconoce a los abogados que demuestran una experiencia sustancial en un área específica del derecho, aprueban un examen riguroso y se someten a la evaluación de sus pares.Brent A. Devere está certificado en Derecho del Consumidor y Comercial, Derecho de Quiebras del Consumidor, Derecho Inmobiliario Residencial y Derecho Inmobiliario Comercial por el Colegio de Especialización Legal de Texas.Trabajar con un abogado certificado en su especialidad significa que su caso está a cargo de un abogado con conocimiento, experiencia y compromiso comprobados en su campo.

La consulta inicial es gratuita. Puede llamar a la oficina de Austin o utilizar el formulario de contacto para programarla, y no tiene ningún costo ni obligación conversar sobre su situación.

Sí. El bufete maneja la mayoría de los tipos de litigios. Si su asunto no aparece entre las áreas de práctica, comuníquese con la oficina para conversar sobre si el bufete puede ayudarle.