If you drive for Uber in Houston, 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. Understanding these distinctions is critical to avoiding coverage gaps.
For a full overview of local requirements, see the Houston Rideshare Insurance for Uber & Lyft Drivers.
Uber’s Three Insurance Periods
App Off (Personal Use)
Your personal Texas auto insurance policy applies when the Uber app is off.
Period 1: App On, Waiting for a Ride
When logged into the Uber app but waiting for a ride request, Uber provides contingent liability coverage. This coverage typically includes:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage per accident
This applies only if your personal insurer denies the claim.
Periods 2 & 3: Ride Accepted / Passenger Onboard
Once a ride is accepted and while transporting a passenger, Uber provides up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may apply if you carry those coverages on your personal policy.
Does Uber Cover Vehicle Damage in Houston?
Uber provides contingent comprehensive and collision coverage during active rides, subject to a deductible. There is typically no vehicle damage coverage during Period 1 without a rideshare endorsement.
Common Coverage Gaps
- No collision coverage during Period 1 without endorsement
- Higher deductibles under Uber’s contingent policy
- Potential coordination issues between insurers
Should Houston Uber Drivers Add Rideshare Insurance?
Yes. A rideshare endorsement bridges the gap between personal coverage and Uber’s contingent insurance, reducing the risk of claim denial or cancellation.
Next, review Lyft Insurance Coverage in Houston or compare pricing in the Houston Rideshare Insurance Cost Guide.