If you drive for Uber, Lyft, or another rideshare service, it’s important to understand how your auto insurance may apply. Your personal auto policy typically provides coverage while you are using your vehicle for personal errands, but it may exclude coverage when you are driving for hire or logged into a rideshare app.
Rideshare companies generally provide insurance during certain stages of a trip, such as when you have accepted a ride request or have a passenger in the vehicle. However, coverage can be more limited while you are logged in and waiting for a ride request, which can leave a potential gap in protection.
A rideshare endorsement or rideshare insurance policy can help close that gap by extending protection during the time you are available for rides but have not yet accepted a passenger. It may also help protect your vehicle with coverage for collision, comprehensive losses, and other situations depending on your policy.
Every policy is different, so if you drive for a rideshare service—or are considering it—Merit Insurance Group is here to help review your coverage and make sure you have the protection you need. If you have any questions, give our office a call at 708-845-5466 or visit our website at www.meritinsurancegroup.com
