rideshare insurance

by Harry Campbell on January 18, 2019 463 Comments

Rideshare Insurance – Best Options for Uber & Lyft (By State)

Best Car Insurance Options for Uber Drivers and Lyft Drivers

If you’re looking for rideshare insurance, we’ve made it easy to learn about the options in your state on the page below. There are still a few states that don’t have rideshare friendly options, but we keep this page updated as new options are added every week, so be sure to check back frequently!

If you’re just learning about rideshare insurance and not sure why you need it, it’s because as a rideshare driver, you need to be especially mindful about the risks and insurance limits in your state. There are many states where there isn’t an officially recognized rideshare insurance policy and, although you may still be covered by Uber/Lyft, your personal insurer may drop you for being a rideshare driver. You don’t want your income stream cut off before rent is due next month!

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Need an Uber Accident Attorney?

Read out Uber Accident Lawyer page to learn how to handle rideshare insurance after an accident.

Why You Need Commercial Auto Insurance When Driving for Uber and Lyft

Uber and Lyft only cover rideshare drivers during Periods 2 and 3. Period 2 starts once you accept a ride request and are en route to your passenger, and Period 3 starts once your passenger gets into your car. BUT when you’re online and waiting for a request during Period 1, you have no collision coverage from Uber or Lyft and much lower liability limits. So as a rideshare driver, you’re most at risk during Period 1 since you won’t get any collision coverage from rideshare companies and your personal insurer likely won’t cover you during this time either.

Rideshare insurance solves this gap by covering drivers during Period 1, and additionally they won’t drop you for being a rideshare driver. Some policies will even cover you during Periods 2 and 3 so you won’t be subject to Uber’s $1,000 collision deductible and Lyft’s $2,500 collision deductible.

I’ve covered this issue extensively, so if you want to brush up on the current state of insurance for rideshare, here are some rideshare insurance resources for you to review:

Why Do I Need A Rideshare Insurance Policy?
How To Handle Insurance After An Accident
Rideshare’s Little White Lie
Podcast: Everything You Need to Know About Rideshare Insurance
Youtube Video: What Do Drivers Need to Know About Rideshare Insurance?
All of our insurance articles

Is Rideshare Insurance Available in Your Area?

Over the past year, almost all of the major carriers have begun offering rideshare insurance policies for drivers. This is great news since we no longer need to worry about being dropped by our insurance company, if we insure with a rideshare-friendly insurance company.

But changing insurance is obviously not a simple matter since many of us have policies across our homes, other cars, etc. My hope is that one day all major carriers will offer rideshare-friendly policies but, until then, drivers will have to either switch insurers or assume the risk of going without a rideshare friendly policy.

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Uber and Lyft Driver Insurance Options

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by Harry Campbell on June 8, 2018 189 Comments

Steps Lyft & Uber Drivers Should Take After a Car Accident

If you’ve recently gotten into an accident while driving for Uber/Lyft, we recommend speaking with Bryant Greening, an attorney at LegalRideshare – (312) 767-2222. Head to the Uber Accident Lawyer page to learn more.

If you want to purchase Uber and Lyft car insurance, see our Uber and Lyft rideshare insurance marketplace

Uber & Lyft Drivers: What to do when you get into a car accident

I get e-mails all the time from drivers who get into accidents while driving for Uber and Lyft and have no idea what to do. Unfortunately, accidents do happen and instead of waiting until it’s too late, I can’t stress how important it is to take a proactive approach and figure out what you need to know ahead of time.

As with many things in life, it isn’t a matter of “if” but a matter of “when”. When the time comes and you have an accident while rideshare driving, you will want to be prepared. You can ignore the risk and pretend that you’re the best driver on the road, but at the end of the day, the more you drive, the more likely it is that you will get into an accident.

What should you do if/when you get into an accident while driving for Uber or Lyft

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by John Ince on May 20, 2017 11 Comments

Google And Lyft Team Up To Put Yet Another Nail In Uber’s Coffin

Harry here. Is this the end of Uber as we know it? Recent lawsuits may say yes, but then again, Uber has proved us wrong in the past. Uber is a scrappy company, and in this week’s round up, senior RSG contributor John Ince takes a look at a number of Uber issues – and potential ways for it to redeem itself. Anyone up for a flying Uber ride?

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by Jonathan Knope on January 13, 2017 3 Comments

How Does USAA Rideshare Insurance Work?

Harry here. Today, RSG contributor Jon Knope takes a look at USAA’s rideshare insurance product and shares tips on becoming eligible and how much you can expect to pay for a policy.

There’s no shortage of rideshare insurance options these days, but over the next few months, we’re going to specifically highlight a few of the most popular ones. USAA (short for United Services Automobile Association) is an insurance and financial services company exclusively for current or former members of the military and their families. They offer auto insurance much cheaper than almost any other company – and they have a rideshare add-on available in many states.

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by Jonathan Knope on December 16, 2016 15 Comments

Five Reasons To Get Rideshare Insurance

Harry here. A lot of drivers sign up for Uber and Lyft without ever thinking about insurance. It isn’t until they get in an accident and it’s too late that they realize the coverage provided by these companies is often not enough. Today, RSG contributor Jon Knope takes a look at five reasons why drivers need rideshare insurance.

As rideshare drivers, we all spend a certain amount of time figuring out how to make the most money in our local area. But no matter where you drive, you could lose all your earnings (and then some!) in an instant if you don’t have proper rideshare insurance.

I get it: insurance isn’t a fun topic. Like many drivers, I wasn’t even aware I needed anything besides a regular personal auto insurance policy when I first started. Later on, I tried my best to ignore the insurance issue and kept right on driving with my personal policy.

But the more I kept at it, the more I realized that driving for Uber, Lyft, et al is just like running a small business – and when you’re running a business, you have to manage risk. When that business is on wheels, the risks that must be managed are very large indeed. Here are five ways rideshare insurance coverage can help keep your earnings in your pocket – no matter what happens on the road.

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