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Texas Department of Insurance
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Ride sharing: 3 questions to ask


Ride-sharing services are popular and convenient, but here are three questions to ask before giving or requesting a ride.
  1. What are the risks to drivers?

    • Injury to a passenger or yourself.
    • Injury to a pedestrian or someone in another vehicle.
    • Damage to your vehicle.
    • Damage to another vehicle, building, or other property.
    • Damage to the passenger’s or your personal property.
  2. Does my policy cover ride sharing?

    Most personal auto policies do not include coverage when you are using your car
    for ride sharing.

    Some insurance companies now offer policies for ride-sharing drivers. These policies may cover only part of the time you are driving, such as the time before you pick up a passenger. Some policies cover only damage to other people and their property, but not damage to you, your family members, or your car. Ask your insurance company or agent to be sure you have the coverage you need.

    Texas law requires ride-sharing companies, such as Uber or Lyft, to have insurance that covers people or property the driver injures if the driver does not have insurance. Some companies also cover damage to your car. Your ride-sharing company is required to tell you about the insurance policy, including the types of coverage and the limits for the policy. Be sure to read the policy or review it with your own insurance agent.

  3. How can I protect myself as a passenger?

    • Ask your insurance agent or company if your personal auto policy will cover you when you are a passenger in a ride-sharing vehicle.
    • Ask if the ride-sharing driver has insurance that covers your ride.
    • Check the ride-sharing company’s website for information on insurance coverage.



Questions? Call us at 800-252-3439.

Last updated: 5/15/2024