Pickups and drop-offs near the Rim, La Cantera, and Stone Oak shopping streets are a regular part of north-side traffic. After a wreck with a rideshare vehicle, the first question is often which insurance applies. Texas answers that with a statute that depends on whether the driver was only logged on, or was already on a prearranged ride.
Occupations Code 2402.101 says the requirements of Insurance Code Chapter 1954 apply to transportation network companies and to drivers logged in to a digital network. Insurance Code 1954.052 addresses the period when a driver is logged on and available to receive requests but has not yet begun a prearranged ride. In that period, the automobile insurance policy must provide at least fifty thousand dollars for bodily injury or death for each person in an incident, one hundred thousand dollars for bodily injury or death per incident, along with twenty-five thousand dollars for property loss, together with uninsured or underinsured coverage already required and personal-injury-protection coverage where those chapters require them.
Section 1954.053 addresses the period when the driver is already on a prearranged ride. At that time, the policy must provide, at a minimum, coverage with an aggregate limit of liability of one million dollars for death, bodily injury, and damage to property for each incident, and uninsured or underinsured coverage and personal-injury-protection coverage where required. If a driver’s policy has lapsed or does not give the required coverage, 1954.054 requires the company to provide that coverage starting with the first dollar of a claim against the driver.
These figures depend on the official text and on the actual period the driver was in at the time of the wreck. Save the app receipt, the driver’s first name and vehicle description, and the time of the request. The company’s electronic receipt rules in Occupations Code 2402 can also help you identify the trip. Do not guess about whether the driver was logged on or already on the ride. The coverage difference is large, and it is a fact question.
The two-year window in 16.003 and the greater-than-50-percent cutoff in 33.001 still apply. A coverage fight with a rideshare company will not by itself pause that filing window, and filling out a site form does not hire counsel. Get the crash report from the department named on the officer’s card, and use the official TxDOT purchase path when that path applies. A later civil case from Bexar County is often filed with the District Clerk at the Paul Elizondo Tower, 101 W Nueva, Suite 217. If you hire counsel, confirm the license and put the fee agreement in a writing both sides sign.
App receipts, periods, and the clocks that do not wait
The difference between a driver who is only logged on and a driver already on a prearranged ride is the difference between a 50/100/25 period and a one-million-dollar aggregate period, as the official insurance chapter provides. That is why the app receipt, the time stamps, and a screenshot of the trip, if you still have them, should be saved the same day. If you were the passenger, the electronic receipt the company is required to send can also help identify the trip. If you were in another vehicle, write down the color, the plate, and any rideshare trade dress you saw.
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People sometimes assume the rideshare company will “handle everything” because a large coverage figure was mentioned in a first call. The two-year window in 16.003 still runs. The more-than-half cutoff in 33.001 still applies. A household PIP or UM policy may still belong in the file, especially if the period, and therefore the coverage, is disputed. Do not sign a broad release until the period, the coverage, and the medical picture are clearer, and until you have read the release against the official statutes.
If the pickup or drop-off was in a private lot near the Rim or a Stone Oak shopping street, write down exactly where the vehicles came to rest, because a later argument may turn on whether the wreck was in a public way or in a lot, and on which insurer is talking. That fact does not change the Texas filing window. Get the crash report from the department named on the officer’s card, and use the official TxDOT purchase path when that path applies. A later Bexar County case is often filed with the District Clerk at the Paul Elizondo Tower, 101 W Nueva, Suite 217. Confirm hours and fees on the official page. If you hire counsel, confirm the license and put the fee agreement in a writing both sides sign.
If you were the passenger, keep the fare receipt and any in-app support messages. If you were the other driver, keep the photographs and the plate number. Either way, the official insurance chapter, not a first phone call, is the place to confirm the required limits for each period. A coverage dispute can take months, and the two-year window does not wait for that dispute to end. If the wreck also involved a city vehicle or a public-road condition, calendar the government-notice date as well. Put the app information, the report request, and the filing window on one list, and take that list to counsel if you hire someone.
North-side restaurants and shopping streets generate many short trips at dinner hours. A wreck in that setting can involve a passenger, a walking pedestrian, and another driver all at once. Each person may have a different path to coverage, but they share the same Texas filing window and the same responsibility cutoff. Keep the trip information, the photographs, and the report request together, and treat the two-year mark as a real date on the calendar, not as something the app will watch for you.