Uber and Lyft Accident Claims in Texas
The insurance Texas requires for Uber and Lyft drivers before and during a ride, how fault is shared, and the deadline to sue.
Short answer: Texas requires rideshare (transportation network company) drivers or the company to carry primary auto insurance. Tex. Occ. Code § 2402.101; Tex. Ins. Code §§ 1954.051-1954.054
| Uber and Lyft insurance | Texas requires rideshare (transportation network company) drivers or the company to carry primary auto insurance. While the driver is logged on and available but not on a ride: at least $50,000 for bodily injury or death per person, $100,000 per incident, and $25,000 for property damage. During a prearranged ride: a total aggregate limit of $1 million per incident for death, bodily injury and property damage. In both periods the policy must include uninsured/underinsured motorist and personal injury protection coverage where Insurance Code §§ 1952.101 and 1952.152 require them. If the driver's policy lapses or falls short, the company must provide the coverage from the first dollar. |
|---|---|
| Minimum car insurance | Minimum liability coverage is $30,000 for bodily injury or death of one person, $60,000 for bodily injury or death of two or more people in one collision, and $25,000 for property damage. Source: Tex. Transp. Code § 601.072(a-1) |
| Fault rule (comparative negligence) | Modified comparative fault (51% bar), called proportionate responsibility. A claimant whose percentage of responsibility is greater than 50% cannot recover. Otherwise, the claimant's damages are reduced by their percentage of responsibility. |
| Deadline to sue for an injury | Two years after the day the cause of action accrues. |
More Texas personal injury & wrongful death
- Deadlines to File an Injury Lawsuit in Texas
- Wrongful Death Lawsuits in Texas
- Medical Malpractice Rules in Texas
- Car Accident Claims in Texas
- Dog Bite Liability in Texas
- Slip, Trip and Fall Injuries in Texas
- Sidewalk and Public Property Falls in Texas
- Motorcycle Accident Claims in Texas
- Pedestrian Accident Claims in Texas
- Bicycle Accident Claims in Texas
- Truck Accident Claims in Texas
- Construction Site Injuries in Texas
- All Texas personal injury & wrongful death rules
FAQ
What insurance must Uber and Lyft drivers have in Texas?
Texas requires rideshare (transportation network company) drivers or the company to carry primary auto insurance. While the driver is logged on and available but not on a ride: at least $50,000 for bodily injury or death per person, $100,000 per incident, and $25,000 for property damage. During a prearranged ride: a total aggregate limit of $1 million per incident for death, bodily injury and property damage. In both periods the policy must include uninsured/underinsured motorist and personal injury protection coverage where Insurance Code §§ 1952.101 and 1952.152 require them. If the driver's policy lapses or falls short, the company must provide the coverage from the first dollar.
What is the minimum car insurance required in Texas?
Minimum liability coverage is $30,000 for bodily injury or death of one person, $60,000 for bodily injury or death of two or more people in one collision, and $25,000 for property damage.
Can you recover damages if you were partly at fault in Texas?
Modified comparative fault (51% bar), called proportionate responsibility. A claimant whose percentage of responsibility is greater than 50% cannot recover. Otherwise, the claimant's damages are reduced by their percentage of responsibility.
What is the statute of limitations for personal injury in Texas?
Two years after the day the cause of action accrues.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.