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Types of Rideshare Insurance

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Types of Rideshare Insurance

It’s important to know all the types of rideshare insurance if you are driving for uber or lyft, or any ridesharing app. Uber and Lyft are Transportation Network Companies (TNCs). Rideshare drivers who work for a TNC are only covered under the company’s commercial insurance. This is only while drivers are with a passenger OR have a passenger in their vehicle.

During period one, drivers have no insurance for their vehicle. The reason for this is because auto insurance companies who consider driving for a rideshare program a commercial activity.

To deal with this, insurance providers have created rideshare insurance policies. This can reduce the liability a driver takes on. While working for a rideshare company. Rideshare insurance policies come in two forms: Gap Coverage and Extended Coverage.

Gap Coverage

This insures drivers during period one. This is the time a driver spends waiting to link to a passenger before driving en route to the pick-up location. Coverage gaps offer rideshare insurance policyholders coverage until they depart to the customer.

Extended Coverage

This can insure uber and lyft drivers during all three periods. Including on top of the coverage a rideshare company already provides, for instance.

If rideshare insurance is not available in your state, the only other option is a commercial auto policy. New York, New Jersey, Michigan and Florida are the only states in the U.S. that do not have rideshare insurance.

More Information

Have additional questions about insurance quotes or fully covered medical expenses? Want to know more about collision coverage or the types of rideshare insurance? Our agents and customer service representatives are here to help with your personal auto insurer needs, so call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

Whether you have Insurance Navy, State Farm, or Geico rideshare insurance, you deserve the best rates possible. Because we want to help you save money wherever possible, we offer our cheap auto insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics, such as coverage for repairing or replacing parts for your car after a crash, how a clean driving record can help you obtain more affordable rates for insurance, and why you should never admit fault immediately following a car crash.

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Lastly, we also have blogs that may help you with any questions you have. For instance, our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on rideshare insurance coverage. Ridesharing coverage can vary by contract.