Lozano Meza Law FirmLozano Meza Law Firm2026-09-22T12:06:21Zhttps://www.lozanomeza.com/feed/atom/WordPress/wp-content/uploads/sites/1303625/2023/12/cropped-site-icon-LozanoMeza-32x32.pngOn Behalf of Lozano Meza Law Firm<![CDATA[Who covers your injuries after an Uber or Lyft crash?]]>https://www.lozanomeza.com/?p=2540902026-09-10T13:40:13Z2026-09-10T13:40:13ZHow is a rideshare crash different from a regular car accident?
A crash involving an Uber or Lyft driver is not the same as a typical accident. Multiple insurance policies can apply at once. Texas law classifies rideshare companies as Transportation Network Companies (TNCs) and sets specific coverage rules for each stage of a trip.
What are the coverage periods?
Texas law divides rideshare activity into three distinct coverage periods. The coverage that applies to your injuries depends entirely on which period the crash occurred in:
App off: Only the driver's personal auto insurance applies
App on, waiting for a ride request: Limited TNC coverage applies with $50,000 for each injured person, $100,000 for all injuries per accident and $25,000 for any property damage
Active trip in progress: Full TNC coverage applies with up to $1 million in liability
Even if another driver caused the crash and lacks enough insurance, the TNC's policy may still cover your medical bills and other losses.
What if you were driving and a rideshare driver hit you?
As a driver hit by an Uber or Lyft driver, you have the same right to pursue compensation under the TNC's policy. Texas follows an at-fault system. This means the driver responsible for the crash is also responsible for your damages. The same coverage periods still apply.
Why do rideshare insurance claims get complicated?
Uber and Lyft often dispute which coverage period applies, arguing the driver was offline or between trips. Personal insurers may also deny claims, arguing that rideshare driving falls outside standard personal auto policy coverage. These disputes can delay fair compensation.
What steps should you take right after the accident?
Seek medical attention immediately, even if injuries seem minor at first. Collect the driver's name, vehicle details and insurance information. Take photos of the scene and screenshot the trip confirmation in the app. This can help establish which coverage period applies.
Moreover, avoid giving recorded statements to any insurer. Insurers often use these statements to find inconsistencies that can be used to reduce or deny your claim.
Knowing your rights after a rideshare accident
Rideshare crashes are complex, but your right to fair compensation remains. Knowing which period applies to your crash is the first step toward understanding your legal options. The more informed you are, the harder it is for an insurer to minimize what you are owed.]]>On Behalf of Lozano Meza Law Firm<![CDATA[The “Goliath” problem: why you shouldn’t accept the semi-truck company’s quick settlement offer]]>https://www.lozanomeza.com/?p=2540842026-06-30T15:22:48Z2026-06-30T14:36:27ZEl Paso sits at one of the busiest freight crossroads in the country, with I-10, Loop 375 and a constant flow of cross-border commercial traffic making serious truck accidents a daily reality on local roads. When one of those accidents happens to you, the trucking company's insurance team moves fast and that speed is not a coincidence.
When the hospital bills are stacking up and you’re missing work, a quick check is incredibly tempting. But, a quick settlement offer is a deliberate strategy designed to get you to sign away your rights before you fully understand what your injuries will cost you. Once you sign, you cannot go back and ask for more even if your condition worsens.
What that quick offer is really worth
Trucking companies carry large insurance policies and employ adjusters whose job centers on limiting payouts. Their first offer rarely reflects the true cost of what you have been through. The total societal and medical cost of a single injury-causing commercial truck crash can reach hundreds of thousands of dollars — figures that dwarf most initial settlement offers. Here is what that early number almost never accounts for:
Future surgeries: Injuries from high-impact truck crashes often require multiple procedures over months or years.
Ongoing physical therapy: Long-term rehabilitation costs add up quickly and can stretch well beyond an initial estimate.
Lost earning capacity: If your injuries limit your ability to work, that lost income needs to factor into any settlement.
Chronic pain management: Medication, specialist visits and long-term care carry costs that a quick offer simply will not cover.
After a semi-truck accident, signing early locks you into a number that was never designed with your future in mind.
Why the right legal team changes everything
Big trucking corporations operating along El Paso's freight corridors know how to protect their bottom line — and they count on injured victims not knowing how to push back. Building a strong claim against a commercial carrier means investigating black box data, driver logs, maintenance records and federal compliance history. It means understanding the FMCSA regulations that govern commercial drivers and knowing how to use violations against the carrier. It means refusing to settle until the full picture of your damages becomes clear.
How Texas Law and Federal Regulations Protect You
Texas law gives you two years from the date of your accident to file a personal injury claim — and waiting too long can cost you the right to pursue anything at all. Furthermore,critical evidence like driver logs and black box data can legally be destroyed or overwritten within weeks if a lawyer doesn't act immediately to preserve it.
Don't let a "Goliath" corporation dictate what your recovery is worth. Protect your future and hold the trucking company accountable. You deserve a team that knows how these companies operate and refuses to back down when they push back. Get a team that knows how to stand up to big trucking corporations — schedule your case review today.]]>