What if the Uber or Lyft driver was uninsured or underinsured?

Uninsured and Underinsured Coverage in Texas Rideshare Accidents

Both Uber and Lyft include uninsured and underinsured motorist (UM/UIM) coverage as part of their Period 3 commercial policy in Texas. If you were in an active rideshare and another driver who caused the crash had no insurance or insufficient coverage, the platform’s UM/UIM policy fills the gap. Texas has one of the highest rates of uninsured drivers in the country — this coverage matters in San Antonio.

When Platform UM/UIM Coverage Applies

During an active Period 3 trip, Uber’s James River policy and Lyft’s Zurich policy include UM/UIM coverage that activates when: the at-fault driver carries no insurance, the at-fault driver’s policy limits are insufficient to cover your full damages, or the at-fault driver flees the scene (hit and run). Wayne Wright tenders UM/UIM claims to the platform and your own auto insurer simultaneously to maximize total recovery.

What If the Rideshare Driver’s Personal Policy Lapsed?

If the Uber or Lyft driver was in Period 2 (app on, no active ride) and their personal auto policy has lapsed or excludes commercial activity, the platform’s Period 2 contingent coverage applies. In Period 3, the platform’s $1 million commercial policy covers the claim regardless of the driver’s personal coverage status.

Stacking All Available Coverage Sources

Wayne Wright pursues every available coverage source simultaneously: the at-fault driver’s policy, the platform’s commercial UM/UIM, and your own personal auto UM/UIM policy if you carry one. Stacking these sources produces the maximum total recovery available in your case. Call 210-888-0078 for a free evaluation.