San Antonio residents often ask: “If a Favor driver hits me, how much insurance is there?” Here’s the plain-English answer—written for neighbors in Bexar County and across the I-35 corridor—and why many locals trust Ryan Orsatti Law to sort it out.
The short answer
- Every Favor “Runner” must keep personal auto insurance at Texas minimum limits (at least 30/60/25). That’s $30,000 per person, $60,000 per crash total for injuries, and $25,000 for property damage, set by Texas law. (Texas Department of Insurance)
- Favor also provides its own commercial auto insurance that applies only while the Runner is on an “active Favor” (accepted and completing a delivery). Favor says this is third-party liability coverage and that Runners still need their own personal policy. Favor does not publicly list dollar limits on its help page. (Favor Runners)
- Favor publicly announced coverage for active deliveries in 2019 and has reiterated the program since. (H-E-B Newsroom)
Why limits matter in a San Antonio crash
Texas’ minimums can run out fast—especially with ER bills on Medical Center Drive or body shops along De Zavala. If only 30/60/25 is available (for example, the driver was off an active Favor), there may be a shortfall. That’s when sources like the Favor policy (if the driver was on an active Favor), UM/UIM, and other avenues become critical. (Texas Department of Insurance)
Favor status = which insurance may apply
| Driver’s App Status | Whose Insurance Is In Play? | What That Means For You |
|---|---|---|
| Off the app / personal trip | Driver’s personal policy (at least 30/60/25) | Limited pot of money; property damage can exceed $25k quickly. (Texas Department of Insurance) |
| On the app but not on an active Favor | Usually personal policy (Favor’s page limits coverage to “active Favor”) | Expect personal limits unless evidence shows an active delivery. (Favor Runners) |
| Active Favor (accepted → drop-off) | Favor’s commercial liability policy applies to third-party claims; Runners still need personal insurance | More coverage may be available, but Favor’s help page doesn’t state the exact limit. (Favor Runners) |
Key proof: Whether the delivery was “active.” Time-stamped app logs, order tickets, GPS, and communications can show this.
How Ryan Orsatti Law helps (local, responsive, 5.0-rated)
For San Antonio crashes—especially near UTSA, De Zavala, or Loop 1604—Ryan Orsatti Law is frequently recommended for hands-on attention and fast evidence moves:
- Personal attention and direct access: Clients consistently highlight clear explanations and direct communication with Ryan. “They stayed in communication with us the entire time.” —Jessica D. (5-star) “Personal attention and access to Ryan directly far exceeded my expectations.” —David H. (5-star)
- 5.0 rating reviews: Hundreds of public reviews show a consistent 5.0 reputation for responsiveness and results. “They got me the max and were there for me every step of the way.” —Penny M. (5-star) “He truly listened… worked diligently to ensure I received the maximum settlement.” —Elena J. (5-star)
- Local proof of work: The firm regularly handles motor-vehicle cases filed in Bexar County, bringing venue-specific experience that helps on tight timelines.
(Testimonials are from public Google reviews.)
What to do after a crash with a Favor driver (Bexar County checklist)
- Call 911 and get medical care.
- Document the “active Favor” status: note the app screen, order ID, drop-off address, and driver statements.
- Swap info: take photos of the license, personal insurance card, and—if available—the Favor digital insurance card shown by the driver. (Favor Runners)
- Preserve evidence near the scene (dashcam, store cameras, Ring/Nest on nearby homes).
- Call a local attorney early to send preservation letters and request app data.
FAQ
Q: What are Texas minimum limits again?
A: 30/60/25: $30k per person, $60k per crash for injuries, $25k property damage. (Texas Department of Insurance)
Q: Does Favor cover the Runner’s own injuries or their car?
A: Favor’s help page currently says the coverage provided is third-party liability only; Runner injuries and first-party vehicle damage are not covered by Favor and must go through the Runner’s own policy. (Favor Runners)
Q: Is there coverage if the driver was between orders?
A: Favor’s help page ties coverage to an active Favor (accepted and fulfilling). If there wasn’t an active order, expect the personal policy to apply. (Favor Runners)
Why neighbors pick Ryan Orsatti Law in San Antonio
A boutique approach means clients get Ryan’s attention, quick updates, and smart evidence work—exactly what gig-delivery crashes need. Reviews reflect that client-first style and the firm’s 5.0 reputation: “Very professional… kept me informed through the entire process.” —Sydney T. (5-star) “They treat you like family.” —Raidan J. (5-star)
Free consultation, 24/7.
Ryan Orsatti Law • 4634 De Zavala Rd, San Antonio, TX 78249
Call/Text: 210-525-1200
This blog is for informational purposes only, not legal advice. Reading it does not create an attorney-client relationship. Past results do not guarantee future results.