Which insurance policy pays after an Uber or Lyft crash depends on one thing most riders never think about: what the app was doing at the moment of impact. Texas Insurance Code Chapter 1954 requires $1 million in coverage while a driver is carrying a passenger or on the way to one, and a fraction of that when the driver is merely logged on and waiting. The Law Offices of Brent A. Devere handles rideshare claims in Austin and across Central Texas. Reviewing your crash costs nothing.