Uber or Lyft accident in San Antonio: what coverage applies and finding an Uber accident lawyer

Last checked November 8, 2026

If you were hurt in an Uber or Lyft in San Antonio, Texas requires at least $1 million in coverage during a prearranged ride.1 Ask the driver whether the app was on, since the driver must tell you.2 SAPD holds most city crash reports.3 You generally have 2 years to sue.4

See if you are owed money

$0 upfront. No fee unless you win.
Road map of San Antonio showing San Antonio International Airport, where approved rideshare drivers pick up at the lower level of Terminal A
During a Texas rideshare trip, coverage must be at least $1 million. Map data © OpenStreetMap contributors.

Who pays after an Uber or Lyft crash in San Antonio?

Texas ties the coverage to what the driver was doing in the app at the moment of the crash.

App statusRequired coverageYour first question
Logged in, waiting for a ride$50,000 per person, $100,000 per incident, $25,000 for property5Was the app on?
On a prearranged rideAt least $1 million per incident1Is there a trip record?
Driver's own policy lapsed or falls shortThe company must provide the required coverage from the first dollar6Which insurer has the claim?
Personal policyMay exclude time logged on or giving rides7Did the driver's insurer deny it?

These minimums do not mean anyone will pay that much. You still have to show who was at fault and what your injuries cost. If another driver caused the crash, that driver's insurance usually comes first, and Texas minimums there are only $30,000 per person.8

What if my Uber crash happened at San Antonio International Airport?

Approved drivers meet customers on the outer commercial curbside on the lower level of Terminal A.9 The airport lists Uber, Lyft, Turo, Wingz and Wridz as approved companies.10 Airport curbs are tight, with cars, shuttles and people on foot crossing the same lanes.

A public safety problem on airport grounds goes to the San Antonio Airport Police, who work for the city's Aviation Department.11 Ask the officer which agency is writing the report and get the number before you leave. If you are flying out that day, take photos, note the door or sign nearest to you, and leave your phone number with the officer.

If a broken curb or other airport condition hurt you, the airport is a city operation, so treat the 90-day charter notice as your limit.12 Claims start with the City Clerk.13

How do I report an Uber or Lyft accident in San Antonio?

  1. Call 911 if anyone is hurt. University Hospital is verified as a Level I trauma center for adults and children.14
  2. Take a screenshot of the trip, driver name, plate and time in the app before it scrolls away.
  3. Ask the driver directly whether the app was on or a ride was underway. If you are directly involved and you ask, the driver must tell you.2
  4. Report the crash in the app, but keep it short and stick to facts.
  5. Get the case number from the officer. Inside the city, SAPD takes report requests at its Records Office, 315 S. Santa Rosa.15
  6. Ask for the SAFD EMS report if an ambulance came.16

SAPD crash reports can take up to 14 days to show up in the state system.17 A copy is $6.18

What if I am the Uber driver who got hurt in San Antonio?

Your own auto policy may not help, because Texas lets those policies leave out time you are logged on or giving rides.7 Rideshare drivers are often treated as contractors, so workers' comp may not apply, but ask before you assume so.

Your location matters too. In 2025 the city counted 37,299 crashes,19 and 1,347 of them involved alcohol,20 which is a real risk for drivers working nights and weekends. Save your app earnings for the months before the crash. Those records can help prove lost income.

Does the City of San Antonio regulate Uber and Lyft?

SAPD's Ground Transportation Unit enforces the city's vehicle-for-hire chapter.21 Its list of what it regulates has taxicabs, limousines, tours, charters and pedicabs, and it does not name Uber or Lyft.21 If you were hurt in a taxi, limo or pedicab, you can call that unit at 210-207-7482.22

A rideshare complaint goes to the company first. We could not find local city data on how many San Antonio crashes involve rideshare vehicles.

Can a passenger sue Uber in San Antonio?

A passenger usually has no fault at all, which makes the claim simpler. Texas cuts a recovery only by a person's own share of blame and bars it above 50 percent.23 The harder questions are who caused the crash and which policy applies. If a bad driver in another car hit your Uber, you may have claims against that driver and access to the coverage required for your trip.

If your driver was drunk or on a phone, tell the officer. TxDOT's Bexar County tally shows 17,023 distracted driving crashes in 2025.24 The driver's phone can also be a source of proof, so ask that it be preserved.

What should I ask an Uber accident lawyer in San Antonio?

  • Will you get the trip data before the app company deletes it?
  • Which policy do you expect to be the first to pay?
  • If the other driver had low limits, how do we reach the rideshare coverage?
  • If the airport or a city vehicle was involved, what is my 90-day date?

Questions

How much insurance does Uber have in Texas?

During a prearranged ride, at least $1 million per incident.1 While the driver is only waiting, the minimum is $50,000 per person.5

Where do Ubers pick up at the San Antonio airport?

On the outer commercial curbside, lower level of Terminal A.9

How long do I have after an Uber accident in San Antonio?

Generally 2 years to sue.4 A claim against the City of San Antonio needs written notice within 90 days.12

What if the Uber driver will not say if the app was on?

If you are directly involved and you ask, the driver must tell you whether they were logged on or giving a ride.2

Find out if you are owed money.

A free case review. $0 upfront. No fee unless you win.

See if I’m owed money

Keep reading

San Antonio

Uber or Lyft accident

Texas

Sources

  1. Tex. Ins. Code § 1954.053(1), checked 2026-11-08. “coverage with a total aggregate limit of liability of $1 million for death, bodily injury, and property damage for each incident;”
  2. Tex. Ins. Code § 1954.056(b), checked 2026-11-08. “On request, a driver shall also disclose to a directly interested person, automobile insurer, and investigating peace officer whether, at the time of the collision, the driver was: (1) logged on to the company's digital network; or (2) engaged in a prearranged ride.”
  3. City of San Antonio, Police Open Records Requests, checked 2026-11-08. “You may submit police records requests through San Antonio Police Department (SAPD), including crash reports.”
  4. Tex. Civ. Prac. & Rem. Code § 16.003, checked 2026-11-08. “not later than two years after the day the cause of action accrues”
  5. Tex. Ins. Code § 1954.052, checked 2026-11-08. “(A) $50,000 for bodily injury to or death for each person in an incident; (B) $100,000 for bodily injury to or death of a person per incident; and (C) $25,000 for damage to or destruction of property of others in an incident;”
  6. Tex. Ins. Code § 1954.054, checked 2026-11-08. “the transportation network company shall provide the coverage required by this subchapter beginning with the first dollar of a claim against the driver.”
  7. Tex. Ins. Code § 1954.151(a), checked 2026-11-08. “An insurer may exclude from coverage under a personal automobile insurance policy issued to an owner or operator of a personal vehicle any loss or injury that occurs while a transportation network company driver using the personal vehicle: (1) is logged on to a transportation network company's digital network; or (2) is engaged in a prearranged ride.”
  8. Tex. Transp. Code § 601.072(a-1), checked 2026-11-08. “(1) $30,000 for bodily injury to or death of one person in one collision; (2) $60,000 for bodily injury to or death of two or more persons in one collision, subject to the amount provided by Subdivision (1) for bodily injury to or death of one of the persons; and (3) $25,000 for damage to or destruction of property of others in one collision.”
  9. San Antonio International Airport, Rideshare, checked 2026-11-08. “meet customers on the outer commercial curbside, lower level of Terminal A”
  10. San Antonio International Airport, Rideshare, checked 2026-11-08. “Uber Lyft Turo Wingz Wridz”
  11. San Antonio Airport Police Department information sheet, checked 2026-11-08. “effectively handle any public safety incident”
  12. San Antonio City Charter, Article XII, Sec. 150 (Municode), checked 2026-11-08. “notice in writing of such death, injury or destruction within ninety days after the injury has been sustained”
  13. City of San Antonio, Office of Risk Management FAQs, checked 2026-11-08. “All claims against the City must originate from the City Clerk”
  14. University Health, Trauma Care, checked 2026-11-08. “verified by the American College of Surgeons as both a Level I trauma center and a Level I pediatric trauma center”
  15. City of San Antonio, Police Open Records Requests, checked 2026-11-08. “San Antonio Police Department Records Office 315 S. Santa Rosa”
  16. San Antonio Fire Department, EMS Reports, checked 2026-11-08. “typically available within a week after the incident”
  17. City of San Antonio, Police Open Records Requests, checked 2026-11-08. “Reports can take up to 14 days to appear in the system.”
  18. City of San Antonio, Police Open Records Requests, checked 2026-11-08. “Accident Reports | $6”
  19. TxDOT, 2025 Crashes and Injuries by City and Town, checked 2026-11-08. “SAN ANTONIO 159 167 494 579 5,851 8,034 4,888 8,202 23,857 65,326 2,050 10,657 37,299”
  20. TxDOT, 2025 DUI (Alcohol) Crashes by City and Town, checked 2026-11-08. “SAN ANTONIO 38 40 47 75 238 320 123 212 835 1,899 66 197 1,347”
  21. SAPD, Ground Transportation Unit, checked 2026-11-08. “enforces the requirements of Chapter 33 of the City Code”
  22. SAPD, Contact & Connect, checked 2026-11-08. “Ground Transportation Unit : 210-207-7482”
  23. Tex. Civ. Prac. & Rem. Code § 33.001, checked 2026-11-08. “a claimant may not recover damages if his percentage of responsibility is greater than 50 percent”
  24. TxDOT, 2025 Distracted Driver Crashes by County, checked 2026-11-08. “Bexar 31 31 203 235 2,468 3,374 2,158 3,537 11,305 32,349 858 4,211 17,023”

Editorial policy

See if I’m owed moneyNo fee unless you win
AccidentsCitiesStatesGuides
See if I’m owed money