Liability depends on the rideshare driver’s status at the time of the crash. Texas Transportation Code Chapter 2402 requires rideshare companies to carry tiered insurance coverage, including up to $1 million in liability coverage while a driver is transporting a passenger or en route to a pickup.
A lower level of contingent coverage applies while the driver has the app on but hasn’t been matched with a ride. Identifying which coverage tier applies is a key first step in a rideshare injury claim.