Anderson County, Texas: Uber accident Reporting Guide

Answer first: After a Texas crash involving an Uber trip or a driver using the Uber app, work through separate tasks rather than treating one report as enough. Put safety first; make the Texas law-enforcement notice if its trigger applies; preserve the trip and crash details; use Uber’s route for your role; and handle insurer notice under the relevant policy. An Uber incident report is not a police report, a TxDOT crash-report filing, or a decision that coverage applies.

Uber currently publishes rider service pages for Houston and Austin. Those pages describe current Uber ride-requesting options in those cities. They do not establish availability, driver status, or coverage for a particular Texas trip.

A practical checklist

1. Address immediate safety. If emergency help is needed, contact emergency services. Uber’s driver crash instructions say to contact police and paramedics for injuries or damage, and to save a police report number if one is created. Uber’s driver crash instructions
2. Give the required information and make police notice when Texas law requires it. The Texas trigger is separate from an Uber report. It applies to a vehicle operator after a collision involving injury, death, or a vehicle that cannot be normally and safely driven. Texas Transportation Code Chapter 550
3. Save crash and trip information. Keep photographs, contact details, location, time, weather notes, the vehicle plate, and any police incident or report number. Save an Uber trip receipt or screenshots showing the trip or Driver-app status when available. Texas Department of Insurance (TDI) auto-claim guidance and Uber’s driver crash instructions identify useful records.
4. Use Uber’s reporting route that fits your role. A driver, a rider, and another road user do not start in the same place. The driver route, rider route, and third-party route are described below.
5. Give insurer notice separately. TDI advises consumers to call their insurance company after getting home. An Uber report, a police response, and a TxDOT record request do not themselves give notice under a personal or commercial policy. TDI’s wreck guidance
6. Use TxDOT only to obtain an existing officer report. If an officer investigated and created a Texas Peace Officer’s Crash Report (CR-3), use TxDOT’s official purchase system to seek a copy. Do not try to file a CR-3 yourself. TxDOT crash reports and records

1. Texas police notice, an officer’s CR-3, and a TxDOT record are different

Immediate law-enforcement notice by a vehicle operator

Texas Transportation Code § 550.026 says that an operator involved in a collision resulting in injury or death, or vehicle damage leaving a vehicle unable to be normally and safely driven, must immediately use the quickest means of communication to notify the agency named by the location rule. In a municipality, the statute names the local police department; within 100 feet outside municipal limits, it names local police or the sheriff’s office; elsewhere, it names the sheriff’s office or nearest department office. Read the current statutory text.

For a covered collision involving injury, death, or a driven or attended vehicle, § 550.023 also addresses exchange of the operator’s name and address, registration number, and liability-insurer information, as well as reasonable assistance to an injured person. This is a state collision step, not an Uber intake.

The peace officer’s CR-3

When a law-enforcement officer investigates a motor-vehicle collision in the regular course of duty, § 550.062 requires the officer to make a written report if the collision involved injury, death, or apparent damage of $1,000 or more to any one person’s property. The officer must file that report electronically with TxDOT by the 10th day after the collision. The CR-3 is therefore an officer report; it is not a report a rider, driver, or other claimant files with TxDOT. Texas Transportation Code § 550.062 · TxDOT crash-report guidance

A police response does not by itself establish that a CR-3 exists. TxDOT is the state custodian of Texas crash records and says reports are confidential rather than generally available for public online viewing. Its Crash Report Online Purchase System is the official route for a copy of an existing CR-3. Access depends on the requester’s status or proper interest; people who do not meet the listed criteria receive a redacted report under TxDOT’s process.

Texas no longer retains or provides the former Driver’s Crash Report (CR-2). TxDOT says a CR-2 or similar local-agency form sent to TxDOT will be destroyed under its retention policy. It is not a substitute for a CR-3 or an Uber notice. For the broader state process, see the Texas Crash Reporting Guide.

2. Report to Uber through the route for your role

If you were driving with Uber

Uber’s current driver instructions say the easiest route is in the Driver app: open the Safety Toolkit by tapping the blue shield at the lower left of the map, choose Report a crash, describe what happened, and submit the claim. The same page directs a driver to Help → Safety → Safety Incident Reporting Line to speak with support, and links a separate online crash-report route. Uber asks drivers to complete the process as soon as reasonably possible. Uber: “What to do after a car accident”

Uber says that, after a driver submits a claim, the Driver app directs the driver to Crash Center for insurer contact information, claim status, and related resources. Save the submission confirmation and any claim or incident number. This operator process does not decide fault or establish coverage.

If you requested the Uber trip as a rider

Uber’s insurance-and-accident page directs riders to its accident-report route. Start from the trip in the Uber app or Help flow when possible, use the accident option, and keep the confirmation and trip receipt. Uber’s official rideshare insurance and accident page links the rider route.

If you were another road user, a co-rider, or another third party

Uber’s Third Party Incident Notice is a separate route for an insurance-claim-related inquiry. Its page tells drivers and riders to notify Uber through the app instead. A third-party submission does not replace police notice, an insurer claim, or a request for an officer report.

What to have ready

The exact form fields and app menus can change. Keep original records and provide information accurately. Useful materials include:

• Crash date, time, precise location, and a short contemporaneous account.
• Photos of vehicle damage, license plates, road signs, and road angles if safely obtained.
• Names and contact details for involved people and witnesses.
• Police agency, incident or report number, and a CR-3 copy if an officer report becomes available.
• Uber trip receipt, app screenshots, driver-app status, and Uber submission confirmation.
• Your insurer and policy information; if you received care, relevant records and bills for the insurer.

TDI recommends collecting driver and insurance information, photos, witness contacts, location, time, weather, and crash details for an auto claim. TDI’s wreck checklist

3. App status is useful evidence, not a coverage answer

For a Texas transportation-network-company driver, Chapter 1954 distinguishes a driver who is logged on and available to receive requests from a driver engaged in a prearranged ride. The statute defines a prearranged ride as beginning when the driver accepts a request through the company’s digital network and ending when the last requesting rider leaves the personal vehicle. Texas Insurance Code Chapter 1954

Record the status that you can reliably identify: app off; logged on and available; accepted request and en route to pickup; or traveling with the rider. A rider or another road user can preserve the receipt and time shown in their own records. That information may help an insurer identify the relevant period, but it does not itself determine fault, eligibility, or payment.

Texas law directs a TNC driver to carry the required proof of insurance while using a vehicle in connection with the network. In a collision, the driver must provide the proof on request to a directly interested person, automobile insurer, or investigating peace officer, and must disclose on request whether the driver was logged on or engaged in a prearranged ride. Insurance Code § 1954.056 is directed to the driver’s duties.

For a claim investigation, § 1954.154 says the TNC and an insurer providing the statutory coverage must assist by giving directly interested people and the driver’s insurer the relevant driver log-on/log-off times from the 12 hours before and after the accident, together with a clear description of the coverage, exclusions, and limits. The rule does not make all records public or resolve a claim. Insurance Code § 1954.154

4. Insurance information: role, app phase, vehicle, and policy all matter

Insurance in an Uber crash is not one universal policy. It can depend on whether the person was the driver, a rider, another driver, or another third party; whether the driver was offline, available, en route, or on a trip; whether the vehicle or driver is commercially licensed; the policy language; and the crash facts.

Texas statutory framework

Texas Insurance Code § 1954.051 permits the required primary insurance to be maintained by the driver, the transportation network company, or a combination. For a driver logged on and available but not engaged in a prearranged ride, § 1954.052 states minimum liability amounts of $50,000 per person and $100,000 per incident for bodily injury or death, plus $25,000 for property damage, with UM/UIM and personal-injury-protection coverage where the cited provisions require them. During a prearranged ride, § 1954.053 requires a $1 million aggregate liability limit for death, bodily injury, and property damage for each incident, again with those coverages where required. Texas Insurance Code Chapter 1954

Those are statutory requirements for the stated periods, not a promise that a policy applies, that every figure is available, or that any person will be paid. Chapter 1954 also allows a personal automobile insurer to exclude coverage while a TNC driver is logged on or engaged in a prearranged ride, depending on the policy. TDI similarly explains that most personal auto policies do not include rideshare use and tells drivers to ask their insurer or agent about their own policy. TDI ride-sharing guidance

Uber’s current Texas materials

Uber’s U.S. rideshare insurance page separates offline, online and available, and en route or on a trip. It says insurance to repair a driver’s vehicle while en route or on a trip is contingent on the driver maintaining comprehensive and collision coverage on the personal policy. Uber’s page also says its rideshare coverage does not apply to livery, taxi, for-hire, or other commercially licensed drivers, and that coverage varies by state. Uber’s rideshare insurance page

The Texas certificate linked on that page was checked for this guide. It identifies separate policies for a rideshare driver who is logged on and available without an accepted request and for a driver who has accepted a request and is traveling to pickup or the final destination. It lists policy dates from March 1, 2026 through March 1, 2027. The certificate says it is informational only, is subject to the policies’ terms, exclusions, and conditions, and that shown limits may be reduced by paid claims. Its additional schedule lists actual-cash-value comprehensive and collision coverage with a $2,500 deductible. Uber Texas Certificate of Liability Insurance

That certificate is a record to review with the specific policy, not a coverage determination. It does not establish eligibility, fault, payment, or a deductible for a particular crash. Commercially licensed or insured drivers may have a separate commercial-insurance obligation; Uber’s driver accident instructions direct those drivers to contact their commercial automobile insurer in addition to reporting to Uber. Uber’s driver crash instructions

Notice to a personal or commercial insurer

TDI tells consumers to call their insurance company after getting home. Uber’s driver instructions say its claims team will guide the driver through reporting to the coverage provider in the driver’s state and say there is no need to report to a personal insurer unless the driver has a relevant endorsement; its instructions separately address commercially insured livery drivers. The policy, endorsement, vehicle status, and person’s role can change the appropriate notice path. Keep the policy, claim number, and insurer correspondence with the Uber and police records. TDI’s wreck guidance · Uber’s driver crash instructions

5. Keep reporting and legal processes separate

Do not use a police report number, a TxDOT purchase receipt, an Uber confirmation, or an insurer claim number as proof that another process was completed. Keep a separate confirmation or record for each task.

Official procedures and resources

• Uber driver crash route: What to do after a car accident — Uber Help
• Uber rider accident route and rideshare insurance materials: Insurance for rideshare drivers — Uber
• Uber third-party report: Third Party Incident Notice
• Texas officer-report records: TxDOT crash reports and records and the CR-3 online purchase system
• Texas insurance consumer information: TDI ride-sharing guidance and TDI steps after a wreck
• Texas statutes: Transportation Code Chapter 550 and Insurance Code Chapter 1954

For additional topic-level resources, browse Uber accident guides.

Source list

1. Texas Transportation Code Chapter 550 — Texas Constitution and Statutes, verified September 12, 2026.
2. Crash reports and records — Texas Department of Transportation, verified September 12, 2026.
3. Texas Insurance Code Chapter 1954 — Texas Constitution and Statutes, verified September 12, 2026.
4. Ride sharing: 3 questions to ask — Texas Department of Insurance, last updated December 10, 2025; verified September 12, 2026.
5. Were you in a wreck? Tips for auto insurance claims — Texas Department of Insurance, last updated September 24, 2025; verified September 12, 2026.
6. What to do after a car accident — Uber Help, verified September 12, 2026.
7. Insurance for rideshare drivers — Uber, verified September 12, 2026.
8. Texas Certificate of Liability Insurance — Uber / United Financial Casualty Company, policy periods shown March 1, 2026–March 1, 2027; verified September 12, 2026.
9. Third party incident notice — Uber, verified September 12, 2026.
10. Getting around Houston — Uber, verified September 12, 2026.
11. Getting around Austin — Uber, verified September 12, 2026.

Official sources