Overview
Uber and Lyft provide some coverage, but it varies by app phase – offline, app-on/no-passenger, and trip-active are all different. A rideshare endorsement on your personal auto policy extends your coverage seamlessly into the gap periods.
Key benefits
- Continuous coverage across all rideshare phases
- Avoids denied claims for undisclosed rideshare use
- Available as a low-cost endorsement on most carriers
Real-world examples
App-on, no passenger
You're waiting for a ride request when a crash happens. Uber's coverage is limited in this phase – rideshare endorsement fills the gap.
Related coverages
Required by Texas law – covers the other driver when you're at fault.
Liability + collision + comprehensive – the package most lenders require.
Repairs your vehicle after a crash – regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.
Rideshare Insurance is one piece of a complete Texas policy. See how it fits alongside every other coverage in our El Paso auto insurance guide, or compare rates for your neighborhood on our local coverage pages.