Find an Uber accident lawyer in Houston: Uber and Lyft coverage, airports and your proof

Last checked November 8, 2026

If you were hurt during an Uber or Lyft trip in Houston, Texas requires at least $1 million in coverage per incident.1 The state regulator is TDLR, at 800-803-9202.2 HPD reports are sold through BuyCrash.3 You generally have 2 years to sue.4 Save your ride receipt, which shows the route and time.5

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Road map of Houston showing Bush Intercontinental Airport to the north and Hobby Airport to the south, the city's two main rideshare pickup points
During a Texas Uber or Lyft ride, coverage must reach $1 million. Map data © OpenStreetMap contributors.

Which insurance pays after an Uber or Lyft wreck in Houston?

It turns on what the driver's app was doing at the moment of the crash. That one fact can change the amount by hundreds of thousands of dollars, so pin it down before you talk numbers with anybody.

What the driver was doingCoverage Texas requires
Logged in and waiting for a rideAt least $50,000 per person, $100,000 per incident and $25,000 for property6
On a prearranged rideAt least $1 million per incident1
App offUsually the driver's own personal policy, like any Houston car wreck

Two rules protect you from gaps. A personal auto policy can leave out crashes that happen while the driver is logged on or giving a ride.7 If the driver's coverage lapsed or falls short, the rideshare company must provide the required coverage from the first dollar.8

Where are Uber and Lyft pickups at Houston's airports?

Airport curbs are tight, busy places, and an exact pickup point makes your report and your claim easier to prove. Note the door or zone you used. Houston Airports lists these spots:

Airport and terminalRide app pickup
Bush (IAH) Terminal AWest side, Door A-1149
Bush (IAH) Terminal B SouthTake the Skyway to Terminal A or C10
Bush (IAH) Terminal CSouth side, Doors C-103 and C-10411
Bush (IAH) Terminal EWest side, Level 2, Zone 512
Hobby (HOU)Curb Zone 5, outside Baggage Claim.13 Exit through the door nearest Carousel 4.14

These spots can move. In 2025 Houston Airports more than doubled the size of the Terminal C pickup zone, so check the signs and take a photo of the one nearest you.15 At Hobby, the airport lists Get Me, GreenLight, Lyft, Uber and Wingz as ride apps.16

We did not find a public page that says which police unit writes crash reports on airport roads. Ask the responding officer for a name and report number. If you need help and it is not an emergency, HPD's line is 713-884-3131.17

What should I save from the Uber or Lyft app after a Houston crash?

  1. Screenshot the trip right away: driver name, car, plate, pickup, drop-off and time.
  2. Keep your receipt. Texas says it must show the origin and destination of the ride, plus total time and distance.5
  3. Ask the driver in writing whether the app was on and whether a ride was under way. If you were directly involved, the driver must tell you.18
  4. Report the crash inside the app, and keep whatever reply you get.
  5. Keep your own medical bills and a list of missed work. Harris Health and Memorial Hermann each have a records process.1920

If a driver offered you a cash ride outside the app, tell your lawyer. In Texas, rideshare drivers may only take passengers who arranged the trip through the company's system.21 A street pickup may not be covered the same way.

What if another Houston driver caused my rideshare crash?

Being a passenger usually keeps you out of the blame fight, but you may have several insurers to deal with: your driver's, the rideshare company's, and the other car's. Your Texas report is the starting point. Inside Houston it is most likely with HPD, whose website says reports take 5 to 8 days to process.22

Rideshare drivers share the same streets as everyone else. Houston recorded 60,317 crashes in 2025.23 The city's High Injury Network holds 58% of deaths and serious injuries on just 8.9% of its streets.24 Note which street you were on and which direction you were heading.

A city vehicle changes the clock. Written, verified notice to the City of Houston is due in 90 days.25 METRO requires its signed form within 180 days if a bus or train was involved.26 Its claims email is [email protected].27

Who regulates Uber and Lyft in Houston?

The state, through the Texas Department of Licensing and Regulation's TNC Program. You can reach it at 800-803-9202 from inside Texas.2 TDLR handles complaints about a company or its drivers. It is not the place to get paid for your injuries, and a complaint does not stop your 2-year deadline.4

If you were the driver and were hurt while working, your position is different. You may have your own coverage and a dispute over whether you count as an employee. Ask about that separately.

Questions

How long do I have after an Uber accident in Houston?

Generally 2 years to sue.4 If a city vehicle hit you, notice is due in 90 days.25

Does Uber's $1 million cover me if the driver had no passenger?

The $1 million rule applies during a prearranged ride.1 While the driver is logged in and waiting, the lower limits apply.6

Where do I wait for an Uber at Hobby Airport?

Curb Zone 5, outside Baggage Claim, through the door nearest Carousel 4.1314

Can a Houston Lyft driver refuse to say if the app was on?

If you are directly involved and ask, the driver must tell you whether the driver was logged on or giving a ride.18

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Sources

  1. Tex. Ins. Code § 1954.053(1), checked 2026-11-08. “coverage with a total aggregate limit of liability of $1 million for death, bodily injury, and property damage for each incident;”
  2. Texas Department of Licensing and Regulation, Information for the Public, checked 2026-11-08. “(800) 803-9202 [in state only]”
  3. Houston Police, Public Information Requests, checked 2026-11-08. “Crash Reports can be purchased online from the Texas Department of Transportation at https://buycrash.lexisnexisrisk.com”
  4. Tex. Civ. Prac. & Rem. Code § 16.003, checked 2026-11-08. “not later than two years after the day the cause of action accrues”
  5. Texas Department of Licensing and Regulation, Information for the Public, checked 2026-11-08. “The receipt must include the origin and destination of the ride, the total time and distance of the ride”
  6. Tex. Ins. Code § 1954.052, checked 2026-11-08. “(A) $50,000 for bodily injury to or death for each person in an incident; (B) $100,000 for bodily injury to or death of a person per incident; and (C) $25,000 for damage to or destruction of property of others in an incident;”
  7. Tex. Ins. Code § 1954.151(a), checked 2026-11-08. “An insurer may exclude from coverage under a personal automobile insurance policy issued to an owner or operator of a personal vehicle any loss or injury that occurs while a transportation network company driver using the personal vehicle: (1) is logged on to a transportation network company's digital network; or (2) is engaged in a prearranged ride.”
  8. Tex. Ins. Code § 1954.054, checked 2026-11-08. “the transportation network company shall provide the coverage required by this subchapter beginning with the first dollar of a claim against the driver.”
  9. Houston Airports, IAH Taxi and Ride Apps, checked 2026-11-08. “Terminal A: West Side, Door A-114”
  10. Houston Airports, IAH Taxi and Ride Apps, checked 2026-11-08. “Terminal B South: Passengers using Ride App should board Skyway to Terminal A or C”
  11. Houston Airports, IAH Taxi and Ride Apps, checked 2026-11-08. “Terminal C: South Side, Door C-103 and Door C-104”
  12. Houston Airports, IAH Taxi and Ride Apps, checked 2026-11-08. “Terminal E: West Side, Level 2, Zone 5”
  13. Houston Airports, HOU Taxi and Ride Apps, checked 2026-11-08. “Curb Zone 5 outside Baggage Claim/Arrivals Level”
  14. Houston Airports, HOU Taxi and Ride Apps, checked 2026-11-08. “Exit through door nearest Baggage Claim Carousel No. 4”
  15. Houston Airports, Press Release, July 30, 2025, checked 2026-11-08. “more than doubling its size to meet passenger demand”
  16. Houston Airports, HOU Taxi and Ride Apps, checked 2026-11-08. “Ride Apps serving HOU Get Me GreenLight (GLT) Lyft Uber Wingz”
  17. Houston Police, Phone Directory, checked 2026-11-08. “Non-emergency Calls for Police Service -- (713) 884-3131”
  18. Tex. Ins. Code § 1954.056(b), checked 2026-11-08. “On request, a driver shall also disclose to a directly interested person, automobile insurer, and investigating peace officer whether, at the time of the collision, the driver was: (1) logged on to the company's digital network; or (2) engaged in a prearranged ride.”
  19. Harris Health, Medical Records, checked 2026-11-08. “helps us send your records within 15 business days”
  20. Memorial Hermann, Request Medical Records, checked 2026-11-08. “The Memorial Hermann Release of Information Department processes requests for protected health information.”
  21. Texas Department of Licensing and Regulation, Information for the Public, checked 2026-11-08. “You cannot hail a ride-share driver on the street”
  22. Houston Police, Public Information Requests, checked 2026-11-08. “Accident reports require 5 to 8 days processing time before they are available to the public.”
  23. TxDOT, 2025 Crashes and Injuries Cities and Towns, checked 2026-11-08. “HOUSTON 273 293 1,249 1,465 5,173 7,285 12,649 19,059 38,296 112,109 2,677 19,011 60,317”
  24. City of Houston, High Injury Network layer information, checked 2026-11-08. “represents 8.9% of Houston streets which account for 58% of traffic deaths and serious injuries”
  25. City of Houston Legal Department, Filing a Claim, checked 2026-11-08. “duly verified, within 90 days after the same has been sustained”
  26. METRO, Notice of Claim Form, checked 2026-11-08. “within 180 days of the incident by anyone desiring to make a claim against METRO”
  27. METRO, Notice of Claim Form, checked 2026-11-08. “Email: [email protected]”

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