Rideshare has changed how San Antonio moves.

Uber and Lyft are everywhere, from the River Walk to the airport, Stone Oak to Southtown, the Alamodome to Trader’s Village. And for the most part it works. But when a rideshare ride ends in a crash, the injured person walks into one of the most confusing insurance situations in personal injury law, with multiple policies, coverage tiers that shift based on the driver's app status at the moment of impact, and corporate legal teams designed to deflect responsibility at every turn.

That confusion benefits the rideshare companies. The harder it is to figure out who pays, the less likely an injured person is to pursue what they're actually owed. My job is to cut through it.

The Coverage Tiers

If the driver's app was off, only the driver's personal auto insurance applies. If the app was on but no ride was accepted, there's limited coverage from the rideshare company (typically $50,000/$100,000). If the driver had accepted a ride or had a passenger in the car, the company's commercial policy kicks in at $1 million in liability coverage. The difference between those tiers is enormous, and the companies fight to classify the driver's status in whatever tier minimizes their exposure.

Whether you were a passenger, another driver hit by a rideshare vehicle, or a pedestrian struck by a rideshare driver, you have rights. The consultation to discuss them is free.