RSG002: Everything You Need to Know About Uber and Lyft’s Insurance Policies

It’s been a couple weeks since my last podcast but this episode required a little bit more research than I anticipated.  Plus, I’ve been busy watching the NBA Finals, the NHL Finals and of course the World Cup.  Go USA!  I’m going to try and do a podcast every couple weeks but I’m more concerned with quality than quantity at this point.  I would rather do a fewer number of high quality podcasts than a bunch of mediocre ones.

The feedback from the first podcast was great, a lot of positive vibes and it seems like it was very helpful to everyone who listened to it.  I even got some feedback from a sound engineer so let me know if you notice a difference in sound quality.  I made a couple minor tweaks to my setup and things sound pretty good to me.  If you haven’t listened to the first podcast yet, you can do so here: it’s all about passenger pick-up strategy and there are a lot of great tips for new and old drivers.

The podcast is now officially on iTunes and Stitcher so if you like what you hear please leave a review and help me get to the top of the rankings.

Summary of the Show:


  • Less is More
  • What I’ve been doing since the last podcast

The Current State of Insurance and Rideshare

  • What do TNC’s do with your insurance information?
  • Definition of livery and how it applies to your personal insurance
  • Breakdown of the basic insurance terms
  • Uber, Lyft and Sidecar’s Official Policy
  • Comparison of ‘The Big Three’ and their respective insurance policies
  • What happens if you get into an accident with a passenger in the car?

The Future of TNC’s and Insurance

  • My thoughts on Lyft, Uber and Sidecar’s Official Policy
  • There is a lot of ambiguity with rideshare insurance right now
  • The one big problem with personal insurance and rideshare
  • Will TNC driver’s insurance rates go up in the future?
  • Do you understand the risks?
  • Risk and reward are always related

3 Tips to Protect Yourself

  • Who’s willing to insure TNC drivers?
  • To lie or not to lie
  • Beef up your current coverage


  • Who’s doing a good job at insurance and who isn’t
  • There’s more liability right now and more risk but there’s also more reward
  • Subscribe to our e-mail list!
  • Site stats after 2 weeks
  • Please leave a review on iTunes or Stitcher if you enjoyed the podcast

Show Notes:

Thank You For Listening!

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By the way, I would really appreciate if you’d leave a review on iTunes and help increase The Rideshare Guy’s exposure.  I make sure to read each and every one of the reviews.  Also if you’d like, please leave your e-mail or URL so that I can contact you later and say thanks!

And lastly, if you have any questions, comments or concerns don’t hesitate to reach out to me.

Readers, what do you think about the current state of TNC’s and insurance?  Do you think the TNC’s have done an adequate job providing insurance for drivers or are you still worried about the insurance risk?

-The Rideshare Guy