If you drive for Uber in Dallas, your insurance coverage depends on your app status at the time of an accident. Coverage changes between personal use, waiting for a ride request, and actively transporting a passenger. This guide explains Uber’s coverage structure and the common gaps Dallas drivers should avoid.
For the full Dallas overview, see Dallas Rideshare Insurance for Uber & Lyft Drivers.
Uber Insurance Periods
App Off (Personal Use)
When the Uber app is off, your personal Texas auto insurance policy applies.
Period 1: App On, Waiting for a Ride
When you are logged into the app and waiting for a request, Uber provides contingent liability coverage that typically applies only if your personal insurer denies the claim. This coverage generally includes:
- $50,000 bodily injury liability per person
- $100,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Periods 2 & 3: Ride Accepted / Passenger Onboard
Once you accept a ride and while a passenger is in the vehicle, Uber generally provides up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may also apply if you carry those coverages on your personal policy, subject to a deductible.
Does Uber Cover Damage to Your Car in Dallas?
Vehicle damage coverage is usually contingent and applies only during active ride periods. Many drivers add a rideshare endorsement to reduce gaps and avoid claim complications during Period 1.
Common Coverage Gaps for Dallas Uber Drivers
- Limited protection while waiting for a request (Period 1)
- Higher deductibles during active ride periods
- Claim coordination issues between insurers
Next Steps
Next, review Lyft Insurance Coverage in Dallas and compare pricing in Rideshare Insurance Cost in Dallas.