In most cases, the driver and vehicle owner are directly liable for your injuries. The driver’s employer—if the driver was working when the collision occurred—also bears responsibility for your damages. This liability extends to rental car companies and sometimes rideshare providers (Uber or Lyft) in appropriate cases. Pedestrian impacts trigger the negligent driver’s and injured pedestrian’s private auto insurance coverage. Texas requires non-commercial vehicle owners—cars and SUVs—to carry a minimum of $30,000 in liability insurance. However, trucks and busses must carry substantially higher policies. Rental car and rideshare companies also have secondary umbrella insurance policies to cover damages above the $30,000 mark. Other drivers responsible for causing chain-reaction crashes or even intoxicated pedestrians might also bear responsibility for your injuries. Experienced personal injury attorneys can quickly identify parties potentially liable for your damages and calculate your case’s maximum insurance value.