Does Uber Cover You in a Crash? Texas Rideshare Laws Explained by Injury Attorney

In this episode, Texas personal injury attorney Grant Quenstedt of the Quenstedt Law Firm in Schertz, Texas, examines critical Texas auto insurance laws, rideshare liabilities, total loss vehicle appraisals, and medical lien rights. Understanding Texas motor vehicle policies is vital for drivers, gig workers, rideshare passengers, and business owners navigating auto accident claims. Grant Quenstedt details the severe consequences of driving without mandatory liability insurance in Texas. Texas law gives local municipalities discretion to impound uninsured vehicles. In Selma, Texas, municipal policy directs officers to tow and impound vehicles driven without active insurance during routine traffic stops. This creates heavy compounding costs, adding tow bills and impound storage fees on top of registration fees and fines. Causing a collision while uninsured can also lead to driver's license suspension, court judgments, or bankruptcy. The discussion turns to gig drivers operating for Uber, Lyft, DoorDash, and Amazon Flex. Attorney Grant Quenstedt explains that standard personal auto policies exclude coverage while driving for rideshare or delivery services. To remain covered, gig workers must add a Transportation Network Company (TNC) endorsement. Quenstedt highlights the three operational phases: Phase 1 (app active searching for requests), Phase 2 (en route to pickup), and Phase 3 (transporting passengers or goods)[cite: 1]. Endorsements must cover all three phases to protect drivers from total out-of-pocket loss. San Antonio Video podcast production by Peachtree Rose Marketing. #TexasLaw, #AutoInsurance, #RideshareDriver, #UberDriver, #LyftDriver, #AmazonFlex, #PersonalInjury, #CarAccidentLawyer, #InsuranceClaims, #SanAntonioBusiness, #TexasLawyer, #TNCEndorsement, #TotalLossClaim, #HospitalLien