Rideshare Insurance
Rideshare insurance fills the coverage gaps between your personal auto insurance and the Uber or Lyft commercial policy. Your personal auto insurer typically cancels or non-renews your policy if you drive for TNC platforms, and the TNC commercial policy doesn't fully activate until you accept a ride…
Key Coverages for Rideshare Businesses
- Period 1 liability gap when the app is on but no ride is accepted
- Personal auto continuation for coverage personal insurers would otherwise exclude
- Physical damage during Period 1 (collision and comprehensive)
- Uninsured/underinsured motorist throughout all periods
- Medical payments for the driver
- Coordination with TNC commercial policy for Periods 2 and 3
Frequently Asked Questions
Will personal auto insurance cover me while driving for Uber?
Generally no. Most personal auto insurers exclude coverage when the vehicle is used for compensation. If you have an accident during Period 1 (waiting for a request), your personal insurer may deny the claim. A rideshare endorsement or dedicated TNC …
Does Uber cover my car if it's damaged while waiting for a request?
During Period 1, Uber and Lyft provide only third-party liability — no physical damage for your vehicle. If you're at fault for an accident or another uninsured driver hits you, there is no Uber-provided coverage for your car's damage. Physical damag…