What happens if you get into an accident without ridesharing insurance?
What would happen if I got into an accident without ridesharing coverage? I'm going to start driving for a ridesharing app. I don't want to pay for extra insurance. I have insurance on my car currently and would also have the company's insurance.
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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.
“Without your own rideshare insurance, you would be responsible for any costs related to any damage or injuries you cause.
Your personal auto policy covers you until you open the ridesharing app.
Once you open the app and make yourself available, you need your own rideshare insurance. After you agree to a ride or trip, your ridesharing coverage with the rideshare company kicks in.
The gap between your auto policy and the rideshare company’s insurance is typically what most personal rideshare insurance plans cover. While it may seem like an extra cost, it will protect you and reduce your out-of-pocket costs if you’re in an accident.
Many carriers offer it as optional coverage on policies. If you haven’t already, check with your car insurance company to find out whether they offer coverage.”
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