⚠️ Insurance Journal: 58% of gig delivery drivers lack adequate commercial coverage.
Houston DoorDash Accident Lawyer
Houston's large population makes it a major DoorDash market. When delivery drivers cause accidents, victims face complex insurance gaps requiring experienced navigation.
DoorDash Coverage Periods
- App off: No coverage
- Waiting for orders: $50K contingent
- Active delivery: $1M liability
The Insurance Gap Problem
Industry research shows 58% of gig drivers lack proper commercial coverage. Personal policy denials should trigger DoorDash contingent coverage.
Texas Comparative Fault
Under Texas Civil Practice & Remedies Code §33.001, you recover if 50% or less at fault.
Filing in Harris County
File in Harris County District Court within 2 years.
Settlement Ranges
- Minor accidents: $10,000-$40,000
- Moderate injuries: $40,000-$125,000
- Serious injuries: $125,000-$350,000
- Permanent: $350,000-$1M+
✅ Hit by a DoorDash driver in Houston? Call (773) 839-6086 for a free consultation.
Harris County Court System & Texas Deadlines
DoorDash accident claims in Houston are filed in Harris County District Court. Texas imposes a 2-year statute of limitations under Texas Civil Practice & Remedies Code Section 16.003. Harris County is one of the busiest court systems in the nation, so expect longer timelines for trial settings.
DoorDash's insurance structure has three tiers: no coverage when the app is off, contingent coverage while waiting for orders, and $1M liability during active deliveries. Texas Department of Insurance regulations require minimum liability coverage of $30,000/$60,000/$25,000, which DoorDash exceeds during deliveries but not during waiting periods.
Houston-Specific Delivery Accident Factors
Houston's sprawling geography and high-speed roadways create elevated risks for delivery drivers. TxDOT data shows Harris County leads Texas in traffic fatalities. DoorDash drivers face pressure to complete deliveries quickly, often navigating unfamiliar neighborhoods using GPS. Houston's lack of zoning laws means residential and commercial areas intermix unpredictably.