El Paso has several large school districts (EPISD, YISD, SISD, Canutillo, Anthony) each operating its own bus fleet, plus charter and private school buses. Crashes involving a school bus follow rules similar to commercial vehicles but with added governmental immunity questions for public districts.
At the scene
Call 911 first. School districts will dispatch their own response team quickly. Get the bus number, district name, driver name, and any student witnesses' contact information through their parents.
Liability and immunity
Texas governmental immunity caps damages against public school districts at $250,000 per person and $500,000 per occurrence for bodily injury, and $100,000 for property damage. Notice of claim must typically be given within six months under the Texas Tort Claims Act.
Coverage in play
Your own PIP and UM/UIM still apply. Liability against the district can be capped — additional recovery from your own coverages is often critical.
Frequently asked questions
Are school districts liable for bus accidents?
Yes, but governmental immunity caps damages and requires notice within six months under Texas law.
What if a charter or private school bus hits me?
Standard commercial vehicle rules apply — no governmental immunity.
Should I file a claim against the district right away?
Yes. The six-month notice deadline is strict and missing it can bar your claim entirely.
Will my PIP cover injuries?
Yes — PIP pays regardless of fault.
How do I get the bus driver's name?
Request through the district's risk management office, or via your attorney. The district will not always volunteer it.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.