What does ridesharing insurance cover?

Why do I also need ridesharing coverage? I have a regular car insurance policy and also have insurance through the rideshare app. What does it cover?

Answer provided by
Emily Maracle
Answered on Jul 16, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The purpose of rideshare insurance is to protect your vehicle when your personal insurance and the ridesharing app coverages don’t.
Typically, your personal auto policy will protect you when you aren’t logged into the app. The ridesharing app’s coverage protects you when you’re picking up a passenger and driving them to their destination.
You normally don’t have any coverage when you’re logged into the app and waiting to accept a ride.
Rideshare insurance covers this gap period. If you got into an accident while you were logged into the app but hadn’t accepted a passenger, your rideshare insurance would cover you. Without it, you’d be responsible for all damages if you’re at fault.
Coverage can also vary depending on the carrier. Some carriers’ ridesharing coverage is full time. This would mean you have no separation between your personal auto policy and ridesharing coverage.
While it can be expensive to add rideshare insurance to your policy, each company has their own rates. Shop around for the best car insurance deals to help you save money.”

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