Uber and Lyft carry a million-dollar liability insurance policy that covers claims against the rideshare drivers for causing injuries to their passengers or other drivers. Uber and Lyft also carry a million-dollar UIM policy to protect customers injured by an uninsured or underinsured third party that crashes into a rideshare car. However, if a rideshare driver is injured by another driver without insurance, the underinsured motorist coverage is the Texas minimum of $30,000. A rideshare driver’s personal automobile insurance policy will not provide coverage because personal insurance policies exclude coverage for driving for hire. Thus, rideshare drivers have only the automobile coverage that the rideshare company provides. Uber provides the cheapest UIM coverage possible for its drivers.