A rideshare crash in Texas can leave you feeling shaken and uncertain about the next steps. Because these claims often involve multiple insurance policies, having a clear plan might help you stay focused and protect your well-being.
How can you check your safety and health first?
Your safety is the most important priority. You need to move to a safe area and take a moment to check how you feel. Some injuries may not be immediately obvious, so it could be helpful to see a medical professional, clinic or hospital for an evaluation. You can request copies of your medical records to document any injuries in case you need them later.
What information should you gather at the scene?
Collecting details while they are fresh can make a difference if an insurance review or dispute arises. You could consider noting:
- Names and contact information for everyone involved, including witnesses
- The rideshare vehicle’s license plate and a photo of the driver’s license
- Screenshots from the app showing driver and trip details
- Photos of vehicle damage, the roadway or unusual conditions
- Statements witnesses
- Traffic or dashcam footage, if available
- Your own written description of the crash
- Police report number once filed by an officer
Gathering this information may help clarify the circumstances and provide evidence if needed.
Why do you need to contact the rideshare company?
You could report the crash through the app or the company’s customer support. A representative might reach out for more details. Keeping your explanation simple and factual, without admitting fault or providing extra information, may be beneficial since rideshare companies often aim to limit their liability.
How does insurance typically work in a Texas rideshare crash?
Coverage usually depends on whether the driver was offline, online or carrying a passenger at the time of the crash, as outlined in Texas Insurance Code Chapter 1954 and the minimum liability requirements in the Texas Transportation Code. You should understand the following phases:
- Period 0 – Offline: When the driver is offline, only their personal auto insurance usually applies. This coverage generally must meet Texas minimums of $30,000 per person, $60,000 per accident and $25,000 for property damage. Many personal policies may exclude accidents that occur during commercial use.
- Period 1 – Online, no ride accepted: If the driver is online but has not accepted a ride, the rideshare company generally provides contingent or excess liability coverage, often meeting the Texas minimums of $50,000 per person, $100,000 per accident and $25,000 for property damage. This typically applies if the driver’s personal insurance does not cover the loss.
- Periods 2 and 3 – En route or carrying a passenger: When the driver is en route or has a passenger, the rideshare company usually provides primary liability coverage of at least $1 million. They are also required to maintain uninsured/underinsured motorist coverage where required by law, which may provide higher limits, though the $1 million limit specifically applies to liability coverage.
A steady way forward
Rideshare accidents can feel overwhelming, but taking calm, organized steps might make the situation more manageable. Understanding Texas insurance rules and collecting thorough documentation may help you prepare for potential claims. You might also consider consulting a qualified attorney if you want guidance on navigating insurance complexities and ensuring fair compensation.
