TEXAS AUTO INSURANCE GUIDE
Texas Rideshare & Transportation Network Coverage
Texas rideshare insurance changes according to app status and whether a prearranged ride is underway. State law requires distinct liability coverage during waiting and ride periods, with UM/UIM and PIP governed by corresponding Texas statutes.
- Preserve app-status, trip and GPS records.
- Obtain the driver’s personal policy and the transportation-network policy.
- Review personal-policy exclusions and rideshare endorsements.
- Verify current waiting-period and prearranged-ride liability, UM/UIM and PIP requirements.
Publication review note — September 17, 2026. Verify current TNC insurance statutes and policy language before publication.
VictimsGuide 