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Compare rideshare car insurance
Get the right car insurance for Uber, Lyft and other rideshare apps
What's in this guide?
- Compare rideshare insurance
- What kind of car insurance do I need for ridesharing?
- What kind of insurance do rideshare companies provide?
- How much does rideshare coverage cost?
- Can I get rideshare insurance for a fleet of cars?
- How to file a claim with rideshare insurance
- Bottom line
- Frequently asked questions about rideshare insurance
Rideshare insurance is becoming more commonplace, making it easier to get coverage while driving for a rideshare company. Learn what your employer will take care of and what you’ll need from your own insurance policy to avoid gaps in coverage.
Compare rideshare insurance
What kind of car insurance do I need for ridesharing?
If you drive for a ridesharing company, you’ll at least need to take out liability coverage. You’ll typically also need comprehensive coverage since rideshare extension coverage is only available with comprehensive policies.
Transportation network services (TNCs) like Uber and Lyft usually take out some insurance on your behalf. However, these policies only kick in after your own coverage and may only include liability insurance. Fortunately, insurers are now expanding their coverage to offer policies for rideshare drivers, which can cover you while carrying passengers or driving for yourself.
Rideshare coverage varies by state. Not all states offer this type of extension, and not all providers offer rideshare extensions in all states.
What kind of insurance do rideshare companies provide?
Once your rideshare app is on, Uber and Lyft’s supplemental insurance kicks in. You’re typically covered for third-party liability when you’re on duty, plus collision and comprehensive in a claim where your own policy doesn’t cover you.
However, coverage is limited for these rideshare companies. For example, while your app is on and you’re waiting for a passenger, Uber’s insurance only covers liability to a third party — not yourself or your car. And Lyft’s contingent coverage means your own insurance kicks in before Lyft covers anything in certain situations. If you want more coverage during this period, you’ll need to purchase an extension on your policy.
|App is off||Waiting for a request||Driving to pick up a rider||During a trip|
|Uber||Liability only for at-fault accidents||Liability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage||Liability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage|
|Lyft||Contingent and liability only for at-fault accidents||Contingent liability only||Liability and uninsured motorist coverage, plus contingent, collision and comprehensive coverage|
How much does rideshare coverage cost?
Typically, rideshare coverage will cost an additional $5 to $20 per month on top of your personal policy — or an additional 10% to 20% to your premium. Rideshare coverage fills in the gaps of Uber or Lyft’s commercial insurance.
For example, if you don’t have rideshare coverage, you’ll only be covered for liability when your app is on and you’re waiting for a ping. If you don’t have a passenger or are not in route to pick one up, you’re not covered for damage to you or your car by Uber or Lyft’s insurance.
Getting covered while waiting for a rider accounts for the increase in cost to your personal auto policy.
Can I get rideshare insurance for a fleet of cars?
Yes, you can get rideshare insurance if you manage a fleet of cars for your rideshare business. You can insure each individual car with a rideshare extension and insurance for each driver. For a larger rideshare fleet, consider commercial car insurance policies that cover you for higher liability limits and are designed for multiple drivers and cars.
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How to file a claim with rideshare insurance
Unfortunately, accidents happen. Reporting one and filing a claim with rideshare insurance is similar to filing a claim with personal insurance. Here’s what to do if you get into an accident while driving for Uber or Lyft:
- Secure the area. Is anyone injured? Do you need to call 911? Is it safe to move the vehicle?
- Call the police. Always call the authorities to report the accident.
- Exchange information. Exchange details with other drivers involved in the accident — including names, addresses, phone numbers, driver’s license numbers, registration, license plate numbers and insurance info.
- Document the accident. Take pictures of any damage with your smartphone. This could be helpful when filing the claim.
- Contact your rideshare company. It can help you start your claim and guide you through the process.
- Call your personal insurance provider. In case you need to file a claim through your own company instead of your rideshare’s.
Uber and Lyft both provide insurance, but you won’t be covered in every situation without getting further coverage on your personal policy. Knowing what’s covered and when will help you make the best choices when getting extensions to your existing policy.
Frequently asked questions about rideshare insurance
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