Rideshare coverage and how it works!

Rideshare insurance is a type of car insurance coverage available to people who drive for a ride-sharing company such as Uber or Lyft.

For each rideshare trip, there are three different periods: waiting for assignment (Period 1), driving to pick up the riders/goods (Period 2), and driving with the riders/goods (Period 3).

A driver's Rideshare liability coverage typically will end once the driver accepts an assignment and take the first steps towards completing the assignment (Periods 2 & 3). In other words, rideshare liability coverage will only provide coverage in Period 1.

It is important for the driver to check with the transportation network companies, more commonly known as ridesharing companies to determine if they will provide coverage for the rest of the trip. If they do not provide bodily injury and property damage liability coverage for Periods 2 and 3, you may need to obtain a business auto policy.

If you have questions, it is best to contact your insurance advisor.​

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