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Rideshare Insurance for Uber & Lyft Drivers
Rideshare insurance is simply a must have if you’re going to drive for Lyft, Uber, or another rideshare service. Without a rideshare friendly policy, you are not fully covered when you are online with Lyft and Uber.
What is Rideshare Insurance?
Rideshare insurance provides coverage while you are driving for Uber, Lyft, or another rideshare service. These policies fill in the gaps in Uber and Lyft coverage so that you’re always fully protected while driving.
Many drivers may not know this, but your personal auto insurance likely does not provide coverage for you while you are driving for Lyft or Uber. In most states, Uber and Lyft only provides full coverage (collision and liability) from the point you accept a ride to the point you drop the rider off. If you are between rides, and online, your regular personal auto insurance policy will not cover you. Additionally, except in a few states, you do not have full insurance coverage from Uber or Lyft between rides. So, if you want to be fully covered, consider purchasing a rideshare friendly policy. Currently, rideshare insurance is available in most states.
Lyft Insurance Policy
The subject of insurance can be complicated, but it’s important you know how and when our policies cover you and your passengers in the event of an incident. The following is an overview of how our insurance policies work.
There are four coverages included in our insurance policies (unless otherwise noted, these coverages are in effect from the time you accept a ride request until the time the ride has ended in the app).
Coverage when driver mode is off
Your personal insurance is your insurance policy.
Coverage when driver mode on but no ride acceptedLyft provides contingent liability coverage to protect you if your personal insurance doesn’t.
How does contingent liability coverage work?Our contingent liability coverage is designed to provide coverage when the app is in driver mode before you’ve received a ride request in the event your personal insurance does not respond. The policy has a $50,000 maximum limit per person, $100,000 maximum limit per accident, and a $25,000 maximum limit for property damage. There is no deductible under this policy.
Note: This policy may be modified to comply with specific city or state insurance requirements.
Coverage when ride accepted through ride endsOur primary liability insurance is designed to act as the primary coverage from the time you accept a ride request until the time the ride has ended in the app. The policy has a $1,000,000 per accident limit. Note: If you already carry commercial insurance (or personal coverage providing specific coverage for ridesharing), Lyft’s policy will continue to be excess to your insurance coverage.
How does contingent collision coverage work?
Our contingent collision coverage is designed to cover physical damage to your vehicle resulting from an accident as long as you have obtained collision coverage on your personal automobile policy. The contingent collision coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less. The policy has a $2,500 deductible. This policy is designed to step in regardless of whether or not you're at fault.
How does contingent comprehensive coverage work?
Similar to our contingent collision coverage, our contingent comprehensive coverage is designed to cover physical damage to your vehicle resulting from a non-collision event (for example a fire, vandalism, a natural disaster, etc.) as long as you have obtained comprehensive coverage on your personal automobile policy. The contingent comprehensive coverage will apply up to the actual cash value of your vehicle or cost of repair, whichever is less. The policy has a $2,500 deductible. This policy is designed to step in regardless of whether or not you're at fault.
What does UM/UIM mean and how does this coverage work?
UM stands for uninsured motorist and UIM stands for underinsured motorist. In the event of an accident (once you have accepted a ride or are transporting a passenger) with a driver who is uninsured or underinsured and is ultimately at fault for bodily injury caused to you and/or your passengers, our UM/UIM coverage will apply up to $1M per accident. There is no deductible on our UM/UIM policy.
When do these coverages apply?
It depends on the coverage. During the time the Lyft Driver app is on and available to accept a request (also known as “driver mode”), the contingent liability policy is in effect.
The other three coverages are in effect beginning when you’ve accepted a passenger ride request and are on your way to pick the passenger up. These coverages continue while you’re giving a ride to a passenger until the time you end the ride in the app.
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HOW RIDESHARE INSURANCE WORKS