TX SB2319

Redefines insurance coverage periods for rideshare drivers (e.g., Uber, Lyft) based on whether a rider is physically present in the vehicle rather than whether the driver is on a prearranged ride

Requires minimum liability coverage of $50,000 per person for bodily injury, $100,000 per incident for bodily injury/death, and $25,000 for property damage when a driver is logged on but has no rider in the vehicle

Mandates $1 million total aggregate liability coverage for death, bodily injury, and property damage when a transportation network company rider is in the vehicle

Requires uninsured/underinsured motorist coverage and personal injury protection coverage where mandated by existing law for both coverage periods

Applies to automobile insurance policies delivered, issued, or renewed on or after January 1, 2026, with the act taking effect September 1, 2025