Personal auto policies exclude commercial use, and rideshare counts. Without a rideshare endorsement, you have a coverage gap during the period when the app is on but you haven't accepted a ride.
The three rideshare periods
- App off — personal policy covers you
- App on, no passenger — gap period (rideshare endorsement needed)
- Passenger in car — Uber/Lyft policy applies
What Uber and Lyft provide
Both companies provide $1M liability while you have a passenger or are en route to one. Coverage during the gap period is minimal — usually only contingent liability.
Texas rideshare endorsements
Most major carriers (Progressive, State Farm, Allstate, USAA) offer rideshare endorsements in Texas for $10–$30/month. This is the cheapest fix.
Frequently asked questions
Do I need rideshare insurance for DoorDash?
Yes — DoorDash provides excess coverage only while you're actively making a delivery, and only as a backup to your own policy.
Can my personal claim be denied if I'm driving for Uber?
Yes, if the crash occurred during a rideshare period not covered by your personal policy.
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.