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RIDESHARE-UBER-LYFT-Does your Automobile Insurance work for you? 

Are you driving for a Rideshare Company such as Uber or Lyft, or picking up anyone for a fee?

DID YOU KNOW-your PERSONAL AUTO INSURANCE policy has an insurance Gap when driving others for a fee?

Traditional auto insurance policies are meant to cover using your vehicle for personal reasons, such as commuting to work, running personal errands or for leisure.  As soon as you turn on your Uber, Lyft or other Rideshare app, your vehicle is no longer being used for personal reasons; instead, it is being used for commercial purposes.  Charging a fee is considered a business exposure.  Your personal automobile insurance policy is no longer covering you.


There are four different ridesharing periods:

  • Off duty. Your ridesharing is turned off and you are driving our vehicle for personal reasons. Your standard auto insurance policy is in effect during this period.
  • Period 1. Your ridesharing app is turned on, but you do not have a passenger. During this time, there is a gap in your insurance, as your personal coverage won’t apply, and neither will Uber or Lyft’s.
  • Period 2. Your ridesharing app is on, you have a passenger request, and you have to drive to pick them up. During this period, Uber or Lyft’s insurance will cover you.
  • Period 3. Your ridesharing app is turned on, you have picked up a passenger, and you are driving to the passenger’s destination. During this period, Uber or Lyft’s insurance will cover you.

What Insurance Should You Have During The “Gap” Period?

Some carriers in New York are now offering enhancement's to their policies to include coverage for Ridesharing on your personal automobile policies.  This must be in effect on your policy in order to have coverage, prior to an incident.

What is the Cost?

The cost to add the RideShare coverage to your personal auto policy is estimated at $10 per month!  Don't risk your financial security, call us for a quote today!

Start your quote by clicking here


Posted 4:40 PM

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