The Coverage Gap Problem
When you drive for Uber or Lyft, your insurance coverage operates in distinct phases. Understanding these phases is critical because your personal auto policy, Uber's coverage, and Lyft's coverage don't always overlap — creating dangerous gaps where you may have no protection at all.
Phase 0: App Off
Personal auto policy covers you normally
Phase 1: App On, Waiting
Most personal policies exclude this. Uber/Lyft provide limited liability only.
Phase 2: En Route to Pickup
Uber/Lyft provide $1M liability + contingent comp/collision
Phase 3: Passenger in Car
Uber/Lyft provide $1M liability + comp/collision
The Solution: Rideshare Endorsement
A rideshare endorsement (also called a TNC endorsement) extends your personal auto policy to cover all phases of rideshare driving (Texas Dept. of Insurance — TNC). This typically costs just $15-$30/month and eliminates the dangerous Phase 1 gap. It also ensures your personal coverage doesn't get voided if your insurer discovers you're driving for Uber or Lyft.
A-LA Auto Insurance compares rideshare endorsement options from 35+ carriers. Not all carriers offer TNC endorsements, so having access to dozens of options ensures you find one that fits your budget and driving patterns.
Drive for Uber/Lyft? Get Properly Covered
Rideshare endorsements start at just $15/month. Don't risk driving in the coverage gap.
Get My Free QuoteSean — A-LA Auto Insurance
Licensed Insurance Agent — A-LA Auto Insurance, Dallas-Fort Worth
Sean is a licensed insurance agent at A-LA Auto Insurance, a TDI-licensed independent agency with 13 offices across Dallas-Fort Worth. He specializes in helping Texas drivers find affordable coverage — including SR-22 filings, non-standard auto, no-credit-check options, and coverage for drivers without a US license. Call (866) 252-6116 to speak with the team directly.
A-LA Auto Insurance is a Texas Department of Insurance (TDI) licensed agency. For personalized advice, call (866) 252-6116.