Rideshare Insurance

Extra protection and peace of mind for rideshare drivers

Quote rideshare coverage before driving for a ridesharing service

If you plan to operate on Uber, Lyft or any ridesharing platform as a driver, it's easy to get rideshare insurance. Simply add rideshare coverage to your personal auto insurance policy so you're protected as soon as you start working. If an accident occurs while you're waiting to receive a ride request, your rideshare coverage can protect you if you're liable for injuries or damages as well as pay to repair or replace your own damaged vehicle.

Am I required to add rideshare insurance to my auto insurance policy?

Most insurance carriers require you to add rideshare insurance coverage to your personal auto policy if you're driving for a rideshare company. By adding rideshare coverage, you can gain protection beyond what's provided by your ridesharing company's insurance policy.

Transportation Network Provider (TNC) coverage vs your auto insurance policies rideshare endorsement

Your TNC is generally mandated by state law to provide insurance coverage for their drivers. However, you may not be as protected as you think with your rideshare company's insurance policy. TNCs may not cover you while you're waiting for a rider, and your personal auto policy may not either — unless you add a separate rideshare endorsement.

Any insurance offered through your ridesharing company's insurance policy may offer liability protection while you're waiting to match with a rider, but you're typically on the hook for any physical damage to your car. With most auto insurance policies rideshare coverage, your personal auto policy's comprehensive and collision coverage will apply during this phase of a trip in case your vehicle is damaged in a covered incident.

The chart below shows which coverages may be provided by the TNC and which your auto insurance coverage may apply during the two main stages of a trip:

*While waiting for a pickup request, primary liability coverage is typically provided by your personal auto policy with the rideshare add-on. Additional liability coverage may be provided by the TNC.

**These coverages only apply if you carry them on your personal auto policy. Uninsured/underinsured motorist coverage and personal injury protection/medical payments coverages only apply to the driver and not to any guest passengers while waiting to match with a rider.

+These coverages may be contingent on whether you also carry them on your personal auto policy.

Contact your Town & Country Insurance agent to learn more about rideshare insurance today!

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