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
Liability Insurance
Required by Texas law — covers the other driver when you're at fault.
Full Coverage Insurance
Liability + collision + comprehensive — the package most lenders require.
Collision Coverage
Repairs your vehicle after a crash — regardless of who's at fault.
Comprehensive Coverage
Protects against theft, hail, vandalism, and animal strikes.