{"id":1692,"date":"2026-06-11T20:09:52","date_gmt":"2026-06-11T20:09:52","guid":{"rendered":"https:\/\/severeinjurylawyers.com\/?page_id=1692"},"modified":"2026-06-12T03:03:14","modified_gmt":"2026-06-12T03:03:14","slug":"herramienta-de-cobertura-de-seguro-para-viajes-compartidos","status":"publish","type":"page","link":"https:\/\/severeinjurylawyers.com\/es\/rideshare-insurance-coverage-tool\/","title":{"rendered":"Calculadora de p\u00f3lizas de accidentes de Uber y Lyft"},"content":{"rendered":"\n<!-- J. Alexander Law :: Rideshare Coverage Decision Tree :: paste as ONE Gutenberg Custom HTML block -->\n<style data-no-optimize=\"1\" data-no-minify=\"1\">\n@import url(\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@600;700;800&family=Source+Sans+3:wght@400;600&family=Playfair+Display:ital,wght@1,400;1,500&family=JetBrains+Mono:wght@500;600;700&display=swap\");\n.jalex-ryde{\n  --bg:#000000;\n  --bg-2:#0c0c0c;\n  --panel:#141414;\n  --rule:#232323;\n  --rule-2:#2c2c2c;\n  --text:#ffffff;\n  --text-2:#cfd2d6;\n  --muted:#8a8f96;\n  --gold:#F3B937;\n  --gold-deep:#d99e1c;\n  --heading:\"Montserrat\",system-ui,sans-serif;\n  --body:\"Source Sans 3\",system-ui,sans-serif;\n  --serif:\"Playfair Display\",Georgia,serif;\n  --mono:\"JetBrains Mono\",ui-monospace,monospace;\n  --radius:3px;\n  --ease-out:cubic-bezier(.22,1,.36,1);\n  --ease-spring:cubic-bezier(.3,1.36,.56,1);\n  --ease-std:cubic-bezier(.4,0,.2,1);\n}\n.jalex-ryde 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font-family:var(--heading);font-weight:800;font-size:17px;letter-spacing:-.02em;color:#111;\n  display:inline-flex;align-items:center;gap:7px;\n}\n.jalex-ryde .abar .logo i{width:8px;height:8px;border-radius:2px;background:var(--gold-deep);display:inline-block;transform:rotate(45deg)}\n.jalex-ryde .abar .mode{\n  font-family:var(--mono);font-size:8.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;\n  padding:5px 10px;border-radius:999px;border:1px solid #dddcd4;color:#9a988f;background:#fff;\n  display:inline-flex;align-items:center;gap:6px;\n  transition:color .35s var(--ease-out),border-color .35s var(--ease-out);\n}\n.jalex-ryde .abar .mode .dot{width:5px;height:5px;border-radius:50%;background:#b9b7ad;transition:background .35s var(--ease-out)}\n.jalex-ryde .phone.p1 .mode,.jalex-ryde .phone.p2 .mode,.jalex-ryde .phone.p3 .mode{color:var(--gold-deep);border-color:rgba(217,158,28,.55)}\n.jalex-ryde .phone.p1 .mode .dot,.jalex-ryde .phone.p2 .mode .dot,.jalex-ryde 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jrx-pin{0%{transform:translateY(-10px) scale(.5);opacity:0}100%{transform:translateY(0) scale(1);opacity:1}}\n\/* car *\/\n.jalex-ryde .car{transform-box:fill-box;transform-origin:center;offset-rotate:auto 90deg}\n.jalex-ryde .phone.p0 .car{opacity:.5}\n.jalex-ryde .phone.p1 .car{opacity:1}\n.jalex-ryde .phone.p2 .car{offset-path:path(\"M76,470 C110,440 96,392 138,372 C186,350 178,300 162,268\");animation:jrx-drive 7s var(--ease-std) infinite}\n.jalex-ryde .phone.p3 .car{offset-path:path(\"M162,268 C150,236 190,214 216,186 C244,156 226,112 248,84\");animation:jrx-drive 8.5s linear infinite}\n@keyframes jrx-drive{0%{offset-distance:0%}8%{offset-distance:0%}92%{offset-distance:100%}100%{offset-distance:100%}}\n\/* radar pulse (P1) *\/\n.jalex-ryde .radar{opacity:0}\n.jalex-ryde .phone.p1 .radar{opacity:1}\n.jalex-ryde .radar circle{fill:none;stroke:var(--gold-deep);stroke-width:1.2;transform-box:fill-box;transform-origin:center;animation:jrx-radar 2.6s var(--ease-out) infinite}\n.jalex-ryde .radar circle:nth-child(2){animation-delay:.85s}\n.jalex-ryde .radar circle:nth-child(3){animation-delay:1.7s}\n@keyframes jrx-radar{0%{transform:scale(.2);opacity:.8}100%{transform:scale(2.6);opacity:0}}\n\/* wash the map out when offline *\/\n.jalex-ryde .mapdim{position:absolute;inset:0;background:rgba(246,245,241,.62);opacity:0;transition:opacity .55s var(--ease-out);pointer-events:none;z-index:2;-webkit-backdrop-filter:grayscale(1);backdrop-filter:grayscale(1)}\n.jalex-ryde .phone.p0 .mapdim{opacity:1}\n\n\/* bottom sheet (white, Lyft-style) *\/\n.jalex-ryde .sheet{\n  position:relative;z-index:6;background:#ffffff;border-top:1px solid #eceae3;\n  border-radius:18px 18px 0 0;padding:14px 18px 20px;min-height:128px;\n  box-shadow:0 -14px 36px rgba(40,36,20,.14);\n}\n.jalex-ryde .sheet::before{content:\"\";display:block;width:36px;height:4px;border-radius:99px;background:#dedcd3;margin:0 auto 12px}\n.jalex-ryde .sheet-inner{transition:opacity .3s var(--ease-out),transform .35s var(--ease-out)}\n.jalex-ryde .sheet-inner.swap{opacity:0;transform:translateY(8px)}\n.jalex-ryde .sh-row{display:flex;align-items:center;justify-content:space-between;gap:12px}\n.jalex-ryde .sh-title{font-family:var(--heading);font-weight:700;font-size:14.5px;letter-spacing:-.01em;color:#141414;line-height:1.25}\n.jalex-ryde .sh-sub{font-family:var(--mono);font-size:9px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:#9a988f;margin-top:4px}\n.jalex-ryde .sh-sub.gold{color:var(--gold-deep)}\n.jalex-ryde .sh-amt{font-family:var(--heading);font-weight:800;font-size:18px;color:var(--gold-deep);white-space:nowrap}\n.jalex-ryde .sh-btn{\n  margin-top:13px;width:100%;padding:11px;border-radius:8px;text-align:center;\n  font-family:var(--heading);font-weight:700;font-size:12.5px;letter-spacing:.02em;\n  background:var(--gold);color:#141414;pointer-events:none;\n  box-shadow:0 4px 12px -4px rgba(217,158,28,.5);\n}\n.jalex-ryde 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.r-k{font-family:var(--mono);font-size:9.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}\n.jalex-ryde .readout .r-amt{font-family:var(--heading);font-weight:800;font-size:clamp(22px,2.6vw,30px);color:var(--gold);letter-spacing:-.01em;line-height:1.1;margin:7px 0 5px;transition:opacity .3s var(--ease-out)}\n.jalex-ryde .readout .r-desc{font-size:13.5px;color:var(--text-2);line-height:1.55;transition:opacity .3s var(--ease-out)}\n.jalex-ryde .readout.swap .r-amt,.jalex-ryde .readout.swap .r-desc{opacity:0}\n\n\/* ====================================================== *\/\n\/* RIGHT: decision tree                                    *\/\n\/* ====================================================== *\/\n.jalex-ryde .tree{\n  border:1px solid var(--rule);border-radius:var(--radius);\n  background:rgba(10,10,10,.78);\n  -webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);\n  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var(--ease-spring);\n}\n.jalex-ryde .opt:hover{border-color:var(--gold);background:#181818;transform:translateX(4px)}\n.jalex-ryde .opt:active{transform:translateX(4px) scale(.99)}\n.jalex-ryde .opt:focus-visible{outline:2px solid var(--gold);outline-offset:3px}\n.jalex-ryde .opt .o-ic{\n  width:42px;height:42px;flex:none;border:1px solid var(--rule-2);border-radius:var(--radius);\n  display:grid;place-items:center;color:var(--gold);\n  transition:background .25s var(--ease-out),border-color .25s var(--ease-out);\n}\n.jalex-ryde .opt:hover .o-ic{background:rgba(243,185,55,.1);border-color:rgba(243,185,55,.5)}\n.jalex-ryde .opt .o-ic svg{width:21px;height:21px}\n.jalex-ryde .opt b{display:block;font-family:var(--heading);font-weight:700;font-size:15.5px;letter-spacing:-.01em;color:#fff;line-height:1.25}\n.jalex-ryde .opt span{display:block;font-size:13px;color:var(--muted);margin-top:3px;line-height:1.45}\n.jalex-ryde .opt .o-arr{margin-left:auto;color:var(--muted);transition:transform 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====================================================== *\/\n\/* VISIBILITY + CENTERING PASS                             *\/\n\/* phone fits the viewport, stage stays in view, nothing   *\/\n\/* hides behind sticky site bars on mobile                 *\/\n\/* ====================================================== *\/\n.jalex-ryde .phone{width:min(300px,72vw,calc(49vh - 150px))}\n@media (min-width:961px){\n  .jalex-ryde .stage{position:sticky;top:clamp(20px,5vh,56px);align-self:start}\n}\n@media (max-width:960px){\n  .jalex-ryde .stage{margin:10px auto 0;width:100%}\n  .jalex-ryde .phone{width:min(300px,76vw)}\n  .jalex-ryde .grid{justify-items:center}\n  .jalex-ryde .tree{width:100%}\n}\n.jalex-ryde footer{padding-bottom:calc(64px + env(safe-area-inset-bottom,0px))}\n@media (max-width:640px){\n  .jalex-ryde footer{padding-bottom:calc(110px + env(safe-area-inset-bottom,0px))}\n}\n@media (min-width:961px) and (max-height:760px){\n  .jalex-ryde .stage{gap:14px}\n  .jalex-ryde .readout{padding:14px 16px}\n  .jalex-ryde .readout .r-desc{font-size:12.5px}\n}\n<\/style>\n<div class=\"jalex-ryde\">\n<div class=\"wrap\">\n\n<header>\n  <span class=\"eyebrow\"><span class=\"num\">TX<\/span>Rideshare insurance &middot; explained interactively<\/span>\n  <h1>Hurt in an Uber or Lyft crash? <span class=\"it\">Find out which policy pays.<\/span><\/h1>\n  <p class=\"sub\">Rideshare coverage changes depending on one thing: what the driver&rsquo;s app was doing at the moment of the crash. Answer a few questions, or flip through the four phases on the phone, and see exactly which insurance layer applies to your situation.<\/p>\n<\/header>\n\n<div class=\"grid\">\n\n  <!-- ============ LEFT: PHONE + PHASES ============ -->\n  <div class=\"stage\">\n\n    <div class=\"phases\" role=\"tablist\" aria-label=\"Rideshare app phases\">\n      <button class=\"phase-pill on\" role=\"tab\" aria-selected=\"true\" data-ph=\"0\"><b>P0<\/b>App off<\/button>\n      <button class=\"phase-pill\" role=\"tab\" aria-selected=\"false\" data-ph=\"1\"><b>P1<\/b>Waiting<\/button>\n      <button class=\"phase-pill\" role=\"tab\" aria-selected=\"false\" data-ph=\"2\"><b>P2<\/b>En route<\/button>\n      <button class=\"phase-pill\" role=\"tab\" aria-selected=\"false\" data-ph=\"3\"><b>P3<\/b>On trip<\/button>\n    <\/div>\n\n    <div class=\"phone-zone\">\n      <button class=\"ph-arrow\" id=\"phPrev\" aria-label=\"Previous phase\">\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"><path d=\"M15 18l-6-6 6-6\"><\/path><\/svg>\n      <\/button>\n\n      <div class=\"phone p0\" id=\"phone\" aria-label=\"Example rideshare app showing a ride in progress\">\n        <div class=\"notch\"><\/div>\n        <div class=\"screen\">\n          <div class=\"sbar\">\n            <span id=\"sbClock\">9:41<\/span>\n            <span class=\"sig\"><span style=\"letter-spacing:.5px\">5G<\/span><i><\/i><\/span>\n          <\/div>\n          <div class=\"abar\">\n            <span class=\"logo\"><i><\/i>Ryde<\/span>\n            <span class=\"mode\"><span class=\"dot\"><\/span><span id=\"modeTxt\">Offline<\/span><\/span>\n          <\/div>\n\n          <div class=\"mapwrap\">\n            <svg viewBox=\"0 0 320 560\" preserveAspectRatio=\"xMidYMid slice\" aria-hidden=\"true\">\n              <!-- base -->\n              <rect x=\"0\" y=\"0\" width=\"320\" height=\"560\" fill=\"#f4f3ee\"><\/rect>\n              <!-- water + park -->\n       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C186,350 178,300 162,268\" stroke-opacity=\".9\"><\/path>\n              <path class=\"route-dash\" id=\"routeTripDash\" d=\"M162,268 C150,236 190,214 216,186 C244,156 226,112 248,84\"><\/path>\n              <path class=\"route\" id=\"routeTrip\" d=\"M162,268 C150,236 190,214 216,186 C244,156 226,112 248,84\" stroke-opacity=\".9\"><\/path>\n              <!-- pickup pin -->\n              <g class=\"pin\" id=\"pinPickup\">\n                <circle cx=\"162\" cy=\"268\" r=\"12\" fill=\"rgba(217,158,28,.2)\"><\/circle>\n                <circle cx=\"162\" cy=\"268\" r=\"5.5\" fill=\"#F3B937\" stroke=\"#141414\" stroke-width=\"1.5\"><\/circle>\n              <\/g>\n              <!-- destination pin -->\n              <g class=\"pin\" id=\"pinDest\">\n                <rect x=\"242.5\" y=\"78.5\" width=\"11\" height=\"11\" rx=\"2\" fill=\"#141414\" stroke=\"#fff\" stroke-width=\"1.5\"><\/rect>\n                <rect x=\"246\" y=\"82\" width=\"4\" height=\"4\" fill=\"#F3B937\"><\/rect>\n              <\/g>\n              <!-- radar (P1) -->\n              <g class=\"radar\">\n                <circle cx=\"76\" cy=\"470\" r=\"16\"><\/circle>\n                <circle cx=\"76\" cy=\"470\" r=\"16\"><\/circle>\n                <circle cx=\"76\" cy=\"470\" r=\"16\"><\/circle>\n              <\/g>\n              <!-- car -->\n              <g class=\"car\" id=\"car\" transform=\"translate(76,470)\">\n                <g transform=\"translate(-8,-14)\">\n                  <ellipse cx=\"8\" cy=\"26\" rx=\"9\" ry=\"3.5\" fill=\"rgba(40,36,20,.18)\"><\/ellipse>\n                  <rect x=\"2\" y=\"0\" width=\"12\" height=\"28\" rx=\"5\" fill=\"#141414\" stroke=\"#fff\" stroke-width=\"1.6\"><\/rect>\n                  <rect x=\"4\" y=\"6\" width=\"8\" height=\"7\" rx=\"1.5\" fill=\"#F3B937\"><\/rect>\n                  <rect x=\"4\" y=\"17\" width=\"8\" height=\"6\" rx=\"1.5\" fill=\"#F3B937\"><\/rect>\n                <\/g>\n              <\/g>\n            <\/svg>\n            <div class=\"mapdim\"><\/div>\n          <\/div>\n\n          <div class=\"sheet\">\n            <div class=\"sheet-inner\" id=\"sheetInner\"><\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <button class=\"ph-arrow\" id=\"phNext\" aria-label=\"Next phase\">\n        <svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2.2\"><path d=\"M9 6l6 6-6 6\"><\/path><\/svg>\n      <\/button>\n    <\/div>\n\n    <div class=\"readout\" id=\"readout\" aria-live=\"polite\">\n      <div class=\"r-k\" id=\"rKicker\">Coverage in this phase<\/div>\n      <div class=\"r-amt\" id=\"rAmt\"><\/div>\n      <div class=\"r-desc\" id=\"rDesc\"><\/div>\n    <\/div>\n\n  <\/div>\n\n  <!-- ============ RIGHT: DECISION TREE ============ -->\n  <div class=\"tree\" id=\"tree\">\n    <div class=\"tree-head\">\n      <span class=\"t-k\">The Coverage Decision Tree<\/span>\n      <span class=\"t-step\" id=\"tStep\">Question 1 of 4<\/span>\n    <\/div>\n    <div class=\"t-bar\"><i id=\"tBar\"><\/i><\/div>\n    <div id=\"qHost\"><\/div>\n  <\/div>\n\n<\/div>\n\n<footer>\n  <div>Coverage figures reflect the Texas transportation network company insurance framework (Tex. Ins. Code ch. 1954) and the policies Uber and Lyft publish for Texas. Analysis: <a href=\"https:\/\/severeinjurylawyers.com\/\" rel=\"author\">J. Alexander Law Firm<\/a>.<\/div>\n  <div class=\"f-cta\">Hurt in a rideshare crash? <a href=\"tel:+14698077480\">Call (469) 807-7480<\/a> for a free consultation. No fee unless we win. EN \/ ES.<\/div>\n  <div class=\"f-disc\">This tool is general information, not legal advice, and using it does not create an attorney-client relationship. Actual coverage depends on the specific policies, endorsements, and facts of your crash. App imagery is illustrative and not affiliated with Uber or Lyft. Past results do not guarantee a similar outcome.<\/div>\n<\/footer>\n\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does Uber or Lyft insurance apply if the driver's app was off?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. When the app is off, the vehicle is treated as a private car and the rideshare company's insurance never applies. Any claim runs through the driver's personal auto policy, which in Texas may carry only minimum limits of $30,000 per person, $60,000 per crash, and $25,000 in property damage.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What insurance applies when a rideshare driver is online but waiting for a ride request?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"This is Period 1. Texas law (Tex. Ins. Code ch. 1954) requires Uber and Lyft to carry contingent liability coverage of $50,000 per person and $100,000 per crash for bodily injury, plus $25,000 for property damage. It applies when the driver causes a crash and their personal policy denies the claim, which personal policies routinely do once they learn the app was on.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"When does the $1,000,000 Uber or Lyft insurance policy apply?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"From the moment a driver accepts a trip until the passenger is dropped off (Periods 2 and 3), Uber and Lyft maintain a $1,000,000 third-party liability policy. It covers injuries the driver causes during an active trip, including injuries to the passenger riding in the vehicle. Contingent comprehensive and collision coverage for the driver's vehicle also applies during this window, typically with a deductible of about $2,500.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What if I was an Uber or Lyft passenger and another driver caused the crash?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"The at-fault driver's liability policy pays first. If that driver is uninsured, underinsured, or fled the scene, the rideshare company's uninsured\/underinsured motorist (UM\/UIM) coverage, up to $1,000,000 during an active trip, covers the difference. As the passenger, you are typically the one person in the crash with no fault argument against you.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What if I don't know whether the rideshare driver's app was on?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Most injured people don't know; and they shouldn't rely on what the driver or an insurance adjuster says. Whether the app was on and whether a trip was accepted is recorded to the second in the rideshare company's own systems. An attorney can send a preservation demand and obtain the trip and GPS logs. That single timestamp can swing a claim from a personal minimum-limits policy to a $1,000,000 commercial policy.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does a $1,000,000 policy mean I will recover $1,000,000?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. The policy limit is a ceiling, not a payout. It means the coverage is large enough that the full, documented value of a serious injury claim, including medical bills, lost income, future care, and pain and suffering, can actually be paid, rather than being capped by a small personal policy. The insurer behind it still defends these claims aggressively.\"\n      }\n    }\n  ]\n}\n<\/script>\n<\/div><!-- \/.jalex-ryde -->\n\n<script data-no-optimize=\"1\" data-no-minify=\"1\" data-cfasync=\"false\" nowprocket=\"\">\n(function(){\n'use strict';\nvar root=document.querySelector('.jalex-ryde');\nif(!root)return;\nvar reduced=window.matchMedia('(prefers-reduced-motion: reduce)').matches;\n\n\/* ================= PHASE DATA ================= *\/\nvar PHASES=[\n  {\n    mode:'Offline',\n    amt:'Personal policy only',\n    desc:'The app is off, so this is just a private car. 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The full commercial layer is live: $1M in liability coverage, plus uninsured\/underinsured motorist protection.',\n    sheet:'<div class=\"sh-driver\"><div class=\"sh-ava\">DM<\/div><div><div class=\"sh-title\">Picking up Daniela M.<\/div><div class=\"sh-sub gold\">3 min &middot; 0.8 mi away<\/div><\/div><div class=\"sh-amt\">$14.20<\/div><\/div><div class=\"sh-btn\">NAVIGATE TO PICKUP<\/div>'\n  },\n  {\n    mode:'On trip',\n    amt:'$1,000,000',\n    desc:'Passenger on board. 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phone class drives map\/car\/routes via CSS *\/\n  phone.className='phone p'+i;\n  modeTxt.textContent=PHASES[i].mode;\n  \/* pills *\/\n  pills.forEach(function(p){\n    var on=+p.getAttribute('data-ph')===i;\n    p.classList.toggle('on',on);\n    p.setAttribute('aria-selected',on?'true':'false');\n  });\n  \/* sheet swap with soft fade *\/\n  sheetInner.classList.add('swap');\n  setTimeout(function(){\n    sheetInner.innerHTML=PHASES[phase].sheet;\n    sheetInner.classList.remove('swap');\n  },reduced?0:220);\n  \/* readout swap *\/\n  readout.classList.add('swap');\n  setTimeout(function(){\n    rAmt.textContent=PHASES[phase].amt;\n    rDesc.textContent=PHASES[phase].desc;\n    readout.classList.remove('swap');\n  },reduced?0:200);\n}\npills.forEach(function(p){p.addEventListener('click',function(){setPhase(+p.getAttribute('data-ph'),true)})});\ndocument.getElementById('phPrev').addEventListener('click',function(){setPhase(phase-1,true)});\ndocument.getElementById('phNext').addEventListener('click',function(){setPhase(phase+1,true)});\n\n\/* gentle auto-tour until the person interacts *\/\nfunction stopAuto(){if(phaseTimer){clearInterval(phaseTimer);phaseTimer=null}}\nfunction startAuto(){\n  if(phaseTimer)return;\n  phaseTimer=setInterval(function(){if(!userTouched)setPhase(phase+1,false)},6000);\n}\nif(!reduced){\n  startAuto();\n  \/* only tour while visible *\/\n  if('IntersectionObserver' in window){\n    new IntersectionObserver(function(es){\n      var vis=es.some(function(e){return e.isIntersecting});\n      if(!vis){stopAuto()}\n      else if(!userTouched){startAuto()}\n    },{threshold:.2}).observe(phone);\n  }\n}\n\n\/* live-ish clock in the status bar *\/\n(function(){\n  var c=document.getElementById('sbClock');\n  function tick(){var d=new Date(),h=d.getHours()%12||12,m=d.getMinutes();c.textContent=h+':'+(m<10?'0':'')+m}\n  tick();setInterval(tick,30000);\n})();\n\n\/* ================= DECISION TREE ================= *\/\nvar qHost=document.getElementById('qHost');\nvar tBar=document.getElementById('tBar');\nvar tStep=document.getElementById('tStep');\nvar answers={};\nvar historyStack=[];\n\nvar IC={\n  passenger:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"12\" cy=\"6.5\" r=\"2.6\"\/><path d=\"M8 21v-5.5a4 4 0 0 1 8 0V21\"\/><path d=\"M5 13h2M17 13h2\"\/><\/svg>',\n  driver:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"12\" cy=\"12\" r=\"8.5\"\/><circle cx=\"12\" cy=\"12\" r=\"2.2\"\/><path d=\"M12 9.8V3.6M9.9 13.1l-5 3.2M14.1 13.1l5 3.2\"\/><\/svg>',\n  othercar:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><path d=\"M19 17h2c.6 0 1-.4 1-1v-3c0-.9-.7-1.7-1.5-1.9L16 10s-1.3-1.4-2.2-2.3c-.5-.4-1.1-.7-1.8-.7H5c-.6 0-1.1.4-1.4.9l-1.4 2.9A3.7 3.7 0 0 0 2 12v4c0 .6.4 1 1 1h2\"\/><circle cx=\"7\" cy=\"17\" r=\"2\"\/><path d=\"M9 17h6\"\/><circle cx=\"17\" cy=\"17\" r=\"2\"\/><\/svg>',\n  walk:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.6\"><circle cx=\"12\" cy=\"5\" r=\"1.7\"\/><path d=\"m9 20 3-6 3 6M6 8.5l6 1.5 6-1.5M12 10v4\"\/><\/svg>',\n  yes:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><path d=\"M20 6 9 17l-5-5\"\/><\/svg>',\n  no:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><path d=\"M18 6 6 18M6 6l12 12\"\/><\/svg>',\n  q:'<svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.8\"><path d=\"M9.1 9a3 3 0 0 1 5.8 1c0 2-3 3-3 3\"\/><circle cx=\"12\" cy=\"17\" r=\".6\" fill=\"currentColor\"\/><circle cx=\"12\" cy=\"12\" r=\"9.3\"\/><\/svg>'\n};\n\nvar QUESTIONS={\n  role:{\n    n:1,\n    title:'Where were you when the crash happened?',\n    help:'Your seat in the wreck decides which path the coverage takes.',\n    opts:[\n      {ic:IC.passenger,b:'I was the rideshare passenger',s:'Riding in the back of an Uber or Lyft',set:{role:'passenger'},next:'fault'},\n      {ic:IC.driver,b:'I was the rideshare driver',s:'Driving for the app when it happened',set:{role:'driver'},next:'appOn'},\n      {ic:IC.othercar,b:'I was in another vehicle',s:'A rideshare driver hit my car',set:{role:'other'},next:'appOn'},\n      {ic:IC.walk,b:'I was a pedestrian or cyclist',s:'Struck by a rideshare vehicle',set:{role:'ped'},next:'appOn'}\n    ]\n  },\n  appOn:{\n    n:2,\n    title:'Was the driver\\u2019s app turned on?',\n    help:'This single fact decides whether the rideshare company\\u2019s insurance is in play at all.',\n    opts:[\n      {ic:IC.yes,b:'Yes, the app was on',s:'The driver was logged in and available',set:{appOn:'yes'},next:'tripAccepted'},\n      {ic:IC.no,b:'No, the app was off',s:'They weren\\u2019t working at the time',set:{appOn:'no'},next:'RESULT'},\n      {ic:IC.q,b:'I don\\u2019t know',s:'Most people don\\u2019t \\u2014 the app data tells us',set:{appOn:'unknown'},next:'RESULT'}\n    ]\n  },\n  tripAccepted:{\n    n:3,\n    title:'Had the driver accepted a trip?',\n    help:'Accepting a request is the switch that turns on the $1,000,000 policy.',\n    opts:[\n      {ic:IC.yes,b:'Yes \\u2014 heading to a pickup or carrying a rider',s:'A trip was active when the crash happened',set:{trip:'yes'},next:'fault'},\n      {ic:IC.no,b:'No \\u2014 just waiting for a request',s:'Logged in, cruising, no ride accepted yet',set:{trip:'no'},next:'fault'},\n      {ic:IC.q,b:'I don\\u2019t know',s:'The app\\u2019s trip logs will show it',set:{trip:'unknown'},next:'RESULT'}\n    ]\n  },\n  fault:{\n    n:4,\n    title:'Who do you think caused the crash?',\n    help:'Fault decides which side of the policy pays \\u2014 liability, or the uninsured\/underinsured motorist layer.',\n    opts:[\n      {ic:IC.driver,b:'The rideshare driver',s:'The Uber\/Lyft driver caused it',set:{fault:'rideshare'},next:'RESULT'},\n      {ic:IC.othercar,b:'The other driver',s:'Someone else hit the rideshare vehicle',set:{fault:'other'},next:'RESULT'},\n      {ic:IC.q,b:'Not sure \/ both',s:'Fault is exactly what gets fought over',set:{fault:'unsure'},next:'RESULT'}\n    ]\n  }\n};\n\nfunction pathLength(){ \/* total questions on the chosen path, for the progress bar *\/\n  if(answers.role==='passenger')return 2;\n  return 4;\n}\n\nfunction renderQuestion(key){\n  var q=QUESTIONS[key];\n  var total=pathLength();\n  var n=Math.min(q.n, total);\n  \/* passenger path renumbers fault as Q2 *\/\n  if(answers.role==='passenger')if(key==='fault')n=2;\n  tStep.textContent='Question '+n+' of '+total;\n  tBar.style.width=((n-1)\/total*100)+'%';\n  var html='<div class=\"q swap-in\"><h2>'+q.title+'<\/h2><p class=\"q-help\">'+q.help+'<\/p><div class=\"opts\">';\n  q.opts.forEach(function(o,i){\n    html+='<button class=\"opt\" data-i=\"'+i+'\"><span class=\"o-ic\">'+o.ic+'<\/span><span><b>'+o.b+'<\/b><span>'+o.s+'<\/span><\/span><svg class=\"o-arr\" width=\"16\" height=\"16\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M9 6l6 6-6 6\"\/><\/svg><\/button>';\n  });\n  html+='<\/div>';\n  if(historyStack.length)html+='<button class=\"t-back\" data-back=\"1\"><svg viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M15 18l-6-6 6-6\"\/><\/svg>Back<\/button>';\n  html+='<\/div>';\n  swapTo(html,function(){\n    qHost.querySelectorAll('.opt').forEach(function(btn){\n      btn.addEventListener('click',function(){\n        var o=q.opts[+btn.getAttribute('data-i')];\n        for(var k in o.set)answers[k]=o.set[k];\n        historyStack.push(key);\n        if(o.next==='RESULT')renderResult();\n        else renderQuestion(o.next);\n      });\n    });\n    var back=qHost.querySelector('[data-back]');\n    if(back)back.addEventListener('click',goBack);\n  });\n}\n\nfunction goBack(){\n  var prev=historyStack.pop();\n  if(!prev)return;\n  \/* clear answers set at and after that step (cheap: rebuild from scratch by replaying) *\/\n  var replay=historyStack.slice();\n  answers={};historyStack=[];\n  \/* we only stored keys; answers set along the way are re-chosen by the user, so just rewind *\/\n  if(replay.length===0){renderQuestion('role');return}\n  \/* keep answers for steps before prev by walking stored keys; simplest correct rewind: *\/\n  renderQuestion(prev);\n  historyStack=replay;\n}\n\nfunction swapTo(html,after){\n  var cur=qHost.querySelector('.q,.verdict');\n  var animate=false;\n  if(cur)if(!reduced)animate=true;\n  if(animate){\n    cur.classList.add('swap-out');\n    setTimeout(function(){qHost.innerHTML=html;if(after)after()},240);\n  }else{\n    qHost.innerHTML=html;if(after)after();\n  }\n}\n\n\/* ---------- result composition ---------- *\/\nfunction computeResult(){\n  var a=answers;\n  \/* unknowns -> investigation result *\/\n  var unknown=false;\n  if(a.appOn==='unknown')unknown=true;\n  if(a.trip==='unknown')unknown=true;\n  if(unknown){\n    return {\n      phase:1,badge:'We find this out for you',\n      title:'The app\\u2019s own data answers this \\u2014 <span class=\"it\">and we know how to get it.<\/span>',\n      amts:[{b:'$0 \\u2192 $1M',s:'The answer swings the entire claim'},{b:'GPS + trip logs',s:'Preserved by legal demand'},{b:'Free',s:'To find out where you stand'}],\n      body:'Whether the app was on, and whether a trip was accepted, is recorded to the second in the rideshare company\\u2019s own systems. <b>You don\\u2019t have to know \\u2014 we send a preservation demand and pull the trip data.<\/b> That one timestamp decides whether your claim is worth a personal policy minimum or a seven-figure commercial policy.',\n      note:'Do not rely on what the driver or an adjuster tells you about the app status. The logs are the evidence.'\n    };\n  }\n  \/* Period 0 *\/\n  if(a.appOn==='no'){\n    var who=a.role==='driver'\n      ?'Since you were driving on your own time, your own auto policy is the coverage \\u2014 collision, PIP, and any health coverage you carry.'\n      :'The driver\\u2019s personal auto policy is the target, the same as any ordinary crash. The rideshare company\\u2019s policies never switch on.';\n    return {\n      phase:0,badge:'Period 0 \\u00b7 App off',\n      title:'This was a personal-car crash \\u2014 <span class=\"it\">the rideshare layer never turned on.<\/span>',\n      amts:[{b:'Personal policy',s:'Driver\\u2019s own auto insurance'},{b:'$30K \/ $60K \/ $25K',s:'Texas minimum many drivers carry'},{b:'$0',s:'From Uber \/ Lyft in this period'}],\n      body:'With the app off, the law treats it like any private vehicle. '+who+' <b>The catch: many drivers carry only Texas minimum limits, which serious injuries blow past quickly.<\/b> That\\u2019s where finding every other policy \\u2014 umbrella coverage, UM\/UIM on your own policy, other defendants \\u2014 becomes the job.',\n      note:'If the driver claims the app was off, we verify it against the trip logs anyway. Drivers have been wrong \\u2014 and motivated to be wrong \\u2014 before.'\n    };\n  }\n  \/* Period 1 *\/\n  if(a.trip==='no'){\n    var drv='';\n    if(a.role==='driver')drv=' As the driver, this layer protects people you hit; your own injuries run through the at-fault driver\\u2019s policy or your own UM\/UIM and PIP.';\n    return {\n      phase:1,badge:'Period 1 \\u00b7 App on, waiting',\n      title:'The contingent layer applies: <span class=\"it\">$50K \/ $100K \/ $25K.<\/span>',\n      amts:[{b:'$50,000',s:'Bodily injury, per person'},{b:'$100,000',s:'Bodily injury, per crash'},{b:'$25,000',s:'Property damage'}],\n      body:'Logged in but between rides is the in-between zone. Texas law makes Uber and Lyft carry contingent coverage at these limits for crashes the driver causes. <b>It pays when the driver\\u2019s personal policy denies the claim \\u2014 which personal policies routinely do once they learn the app was on.<\/b>'+drv,\n      note:'Serious injuries can exceed these limits fast. Whether the driver had actually accepted a trip \\u2014 bumping coverage to $1M \\u2014 is worth verifying against the app data, not the adjuster\\u2019s word.'\n    };\n  }\n  \/* Period 2\/3 *\/\n  var isPassenger=a.role==='passenger';\n  var ph=isPassenger?3:2;\n  var badge=isPassenger?'Period 3 \\u00b7 Passenger on board':'Period 2\\u20133 \\u00b7 Active trip';\n  if(a.fault==='other'){\n    return {\n      phase:ph,badge:badge,\n      title:'A $1,000,000 UM\/UIM policy <span class=\"it\">stands behind the other driver\\u2019s insurance.<\/span>',\n      amts:[{b:'Other driver\\u2019s policy',s:'First layer \\u2014 their liability coverage'},{b:'$1,000,000',s:'Uninsured \/ underinsured motorist layer'},{b:'$0 upfront',s:'No fee unless we recover'}],\n      body:'When someone else causes the crash during an active trip, their liability policy pays first. <b>But if they\\u2019re uninsured, fled the scene, or carry too little \\u2014 the rideshare company\\u2019s $1M uninsured\/underinsured motorist coverage picks up the difference.<\/b> This is the layer most people never hear about, and adjusters are in no hurry to mention it.',\n      note:isPassenger?'As the passenger you are the one person in the crash with essentially no fault argument against you. Your claim is the cleanest \\u2014 and still gets lowballed without counsel.':'UM\/UIM claims are still fights with an insurance company \\u2014 the rideshare insurer becomes the adversary, not the ally.'\n    };\n  }\n  if(a.fault==='rideshare'){\n    var pb=isPassenger?'As the injured passenger, this policy exists precisely for you.':'Your injuries claim runs against this seven-figure policy \\u2014 not a personal minimum-limits policy.';\n    return {\n      phase:ph,badge:badge,\n      title:'The full commercial policy applies: <span class=\"it\">$1,000,000 in liability coverage.<\/span>',\n      amts:[{b:'$1,000,000',s:'Third-party liability'},{b:'UM\/UIM',s:'Backstop if another driver shares fault'},{b:'Contingent collision',s:'Vehicle damage, ~$2,500 deductible'}],\n      body:'From the moment a trip is accepted until the rider is dropped off, a commercial $1M liability policy covers what the driver does. <b>'+pb+'<\/b> The insurer behind it is sophisticated and defends these claims hard, which is exactly why the policy size matters.',\n      note:'A $1M policy doesn\\u2019t mean a $1M payout \\u2014 it means the ceiling is high enough that the value of your case, fully documented, can actually be paid.'\n    };\n  }\n  \/* fault unsure *\/\n  return {\n    phase:ph,badge:badge,\n    title:'Either way, <span class=\"it\">a $1,000,000 layer is in play.<\/span>',\n    amts:[{b:'$1,000,000',s:'Liability \\u2014 if the rideshare driver caused it'},{b:'$1,000,000',s:'UM\/UIM \\u2014 if the other driver did'},{b:'Free',s:'Case review to sort out which'}],\n    body:'During an active trip the coverage question has a good answer in both directions: <b>if the rideshare driver caused it, the $1M liability policy applies; if the other driver did, the $1M uninsured\/underinsured layer stands behind their insurance.<\/b> Sorting out fault \\u2014 with the dashcam, app GPS, and crash report \\u2014 is the work, and it\\u2019s work that should never come out of your pocket.',\n    note:'Insurers on both sides will each point at the other. That stall works on unrepresented people. It does not work on a trial firm.'\n  };\n}\n\nfunction renderResult(){\n  var r=computeResult();\n  tStep.textContent='Your answer';\n  tBar.style.width='100%';\n  var amts='';\n  r.amts.forEach(function(x){amts+='<div class=\"v-amt\"><b>'+x.b+'<\/b><span>'+x.s+'<\/span><\/div>'});\n  var html='<div class=\"verdict swap-in\">'+\n    '<span class=\"v-badge\"><span class=\"dot\"><\/span>'+r.badge+'<\/span>'+\n    '<h2>'+r.title+'<\/h2>'+\n    '<div class=\"v-amts\">'+amts+'<\/div>'+\n    '<p class=\"v-body\">'+r.body+'<\/p>'+\n    '<div class=\"v-note\">'+r.note+'<\/div>'+\n    '<div class=\"v-cta\">'+\n      '<a class=\"btn btn-primary\" href=\"tel:+14698077480\">Call (469) 807-7480 <span aria-hidden=\"true\">\\u2192<\/span><\/a>'+\n      '<a class=\"btn btn-line\" href=\"https:\/\/severeinjurylawyers.com\/contact-us\/\">Free case review<\/a>'+\n      '<button class=\"v-restart\" data-restart=\"1\"><svg width=\"13\" height=\"13\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\"><path d=\"M3 12a9 9 0 1 0 3-6.7L3 8\"\/><path d=\"M3 3v5h5\"\/><\/svg>Start over<\/button>'+\n    '<\/div>'+\n  '<\/div>';\n  swapTo(html,function(){\n    var rs=qHost.querySelector('[data-restart]');\n    if(rs)rs.addEventListener('click',function(){answers={};historyStack=[];renderQuestion('role')});\n  });\n  \/* sync the phone to the verdict's phase *\/\n  setPhase(r.phase,true);\n}\n\nrenderQuestion('role');\nsetPhase(0,false);\n})();\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>TXRideshare insurance &middot; explained interactively Hurt in an Uber or Lyft crash? Find out which policy pays. Rideshare coverage changes depending on one thing: what the driver&rsquo;s app was doing at the moment of the crash. Answer a few questions, or flip through the four phases on the phone, and see exactly which insurance layer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width.php","meta":{"_seopress_titles_title":"Uber & Lyft Accident: Which Policy Pays? | J. Alexander Law","_seopress_titles_desc":"Was the app on? Was a trip accepted? Answer 4 questions and see exactly which rideshare insurance layer covers your cras, up to $1M. 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