Uber or Lyft’s insurance covers my driving! If you’re at fault for an accident during what’s called “period 1” (the time when you’re online but don’t have a ride request), your insurance may not be enough. That is because the coverage is lacking for a couple of reasons. Doesn’t cover vehicle damage.. Personal Insurance For Uber Drivers So you get into an accident during an Uber ride and one of your passengers is injured. Or, an uninsured motorist hits you and hurts you or your passengers; you should be covered by Uber’s insurance policy..
Uber and Lyft provide different coverage amounts to their drivers at each step of a trip. Your personal auto insurance policy will always include liability insurance, consisting of bodily injury liability and property damage liability.. Auto insurance companies are increasingly offering rideshare insurance for those who drive for Uber, Lyft, and other car services. Often an add-on to a personal auto policy, rideshare insurance is....
Car insurance companies also frowned upon drivers working commercially and in some cases, personal auto insurance policies were actually canceled once insurance companies found out that the driver worked for Uber or Lyft.. That leaves much of the insurance burden on the drivers, who are using their own personal cars and their own personal car insurance (PCI). What these drivers may not know, however, is that their PCI policy may not cover them if they're driving for Uber, Lyft, or any other "ride-sharing" app.. Your own car insurance doesn't cover you, and Uber and Lyft coverage proivdes just limited liaiblity coverage, which doesn't cover your car or your injuries. Period 2: You accept a ride request, so the rideshare company's insurance is in effect and provides coverage..
If you use your personal car when you drive for a ridesharing company like Uber or Lyft, the answer may be yes. That’s because the insurance offered by transportation network companies (TNC) like these may not cover what you expect or need.. Car owners know that their personal auto insurance coverage has many exclusions, what you may not know, is that your personal policy may not cover you when driving as a rideshare driver. If you get into an accident while driving for Uber or Lyft , your auto insurance policy might classify your car as a “commercial vehicle”, and will not offer any collision or liability coverage..