Insurance Policy Requirements for Uber Drivers in San Antonio
Driving for Uber in San Antonio can give you a flexible way to earn money on your own schedule. However, working as a rideshare driver comes with significant responsibilities. One important thing you need to know before hitting the road is that rideshare drivers must follow specific insurance rules under Texas law. If you drive for Uber, understanding the insurance requirements for Uber drivers in San Antonio can help protect you, your passengers, and others if an accident happens.
Navigating the laws around rideshare insurance is not always simple. Between Texas state regulations and Uber’s own policies, there are different coverage rules depending on whether you are between rides, picking someone up, or actively driving a passenger. If you are unsure whether you have the right coverage, Felix Gonzalez Law attorneys can guide you through your options.
Insurance Coverage When the App Is Off or On
When the Uber app is turned off, the driver’s regular personal auto insurance policy applies. Like any driver in San Antonio, an Uber driver must carry insurance policy limits of $30,000 for injuries to one person, $60,000 for injuries per accident, and $25,000 for property damage. These minimums are set under the Texas Transportation Code § 601.072.
The situation changes when the Uber app is turned on and the Uber driver is available to accept ride requests. During this period, which is sometimes called “Period 1”, Texas Insurance Code § 1954.052 requires higher minimum coverage levels. Uber drivers must have at least $50,000 in coverage for injury to one person, $100,000 for injuries per accident, and $25,000 for property damage. Uber offers contingent liability coverage during this time if the Uber driver’s personal insurance does not fully cover an accident. However, it is still important to have a rideshare-friendly personal policy.
Once an Uber driver accepts a ride and begins transporting a passenger, Uber’s commercial insurance policy takes over. This includes up to $1 million in third-party liability insurance, along with uninsured/underinsured motorist bodily injury coverage. Uber also provides contingent comprehensive and collision coverage, but only if the Uber driver already had these coverages on their personal auto policy. The deductible for Uber’s comprehensive and collision coverage is $2,500.
Why Personal Insurance Still Matters for Uber Drivers
Even though Uber offers a commercial insurance policy during active rides, drivers cannot rely solely on it. Many personal auto policies exclude coverage for vehicles being used for commercial purposes, which means an Uber driver could face major problems if they get into an accident while waiting for a ride request or driving without a rideshare endorsement.
To bridge this gap, Uber drivers should consider adding a rideshare endorsement to their personal policy. A rideshare endorsement ensures that the Uber driver has some coverage during situations when the Uber insurance might not apply. This additional coverage offers peace of mind by reducing the chances that a serious accident will leave the driver uninsured or personally responsible for damages.
Consulting with an insurance agent familiar with rideshare coverage can help you find the best solution for your situation. Also, ensuring that your insurance matches the San Antonio Uber driver insurance requirements can save an Uber driver a lot of stress if an accident ever happens. At Felix Gonzalez Law, we understand how overwhelming a crash can be for both the Uber driver and the passenger. We can guide the involved party so that they receive the best outcome.
Talk to an Attorney About Uber Driver Insurance Requirements in San Antonio
Understanding the insurance requirements for Uber drivers in San Antonio is essential to protect yourself and stay compliant with state laws. If you are involved in a rideshare accident, Felix Gonzalez Law can help you understand your rights, prove the necessary insurance was in place, and pursue the compensation you deserve. We understand the unique legal issues that rideshare drivers face. Contact us today to discuss your coverage and your rights.
