Texas auto · The app is a business use
The Texas Department of Insurance says most personal auto policies do not cover an accident while you are driving for a ride-hailing service or delivering for a fee. A rideshare endorsement is a different contract. This page will not quote a platform’s limits.
The personal policy’s liability floor in Texas is still $30,000 per person, $60,000 per accident, and $25,000 property damage, for the use the form covers. Turning on an app does not raise that floor and does not make the personal policy a commercial one. TDI’s auto guide puts ride-hailing and paid delivery in the column of what most policies do not cover. It also says coverages vary and that you should read the policy. If yours excludes that use, a crash with the app on is not a claim on that contract. An endorsement, if your company sells one, extends the personal policy for the uses the endorsement names. It does not adopt the platform’s rules. The platform’s own policy is a separate contract. Its limits, its deductibles, and which part of the trip it covers are on that contract. This page will not copy them.
The personal contract: car insurance in Texas, how much, and liability versus full coverage. Comparing without the app hidden: shopping and compare the same limits. Policy facts: important policy facts. Another state’s floor is not this exclusion: liability requirements. Switching without a gap: switching. After a crash: claim tips. The product: Texas auto and Texas.
