Insurance for Rideshare: What Happens If You’re in an Accident While the App Is On

Rideshare driving with companies like Uber and Lyft has become a popular way to earn income in Mesa, Apache Junction, and Chandler, AZ and throughout the Valley of the Sun. However, many drivers may be unsure about how insurance works if they’re in an accident while on the job. At Fast Insurance, we can help Arizona rideshare drivers understand their coverage and address possible gaps.

Do I Need Additional Insurance?

As a rideshare driver, you should first understand that standard personal auto insurance policies should not be relied on to cover you and your vehicle while your app is turned on. As such, you’ll typically need to acquire and maintain additional rideshare coverage, which may be available as an endorsement.

How Does Rideshare Coverage Work?

Rideshare coverage may be unique because how it applies often changes depending on what you’re doing in your vehicle at the time an incident occurs. While exact details may vary, consider the following general parameters regarding how your insurance may apply during various phases of your rideshare work:

• App off—Your personal auto insurance applies. Rideshare coverage does not apply when you’re not using the app.
• App on while accepting rides—Most personal auto policies exclude coverage during this phase, and while Uber and Lyft may provide limited liability coverage, your rideshare coverage will likely be needed if you get into an accident or your vehicle is damaged.
• App on while picking up or transporting a passenger—Once you accept a ride or have a passenger, your company may provide higher liability limits and contingent comprehensive and collision coverage. However, deductibles and coverage limits can vary.

How Our Team Can Help

At Fast Insurance, we work with rideshare drivers to find the right insurance that fits their needs. We’ll help you understand your risks, compare coverage options and make sure you’re aware of how it may apply during various scenarios.

If you have questions about rideshare coverage or want to explore available policies, contact one of our team members today to discuss your options and get a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.