What Is Rideshare Insurance?

Rideshare insurance bridges the gap between your personal auto policy and the limited coverage provided by the rideshare or delivery platform. It is designed to protect you at times when you may not be fully covered. As a rideshare or delivery driver, your time on the road typically falls into three phases:

• Period 1: App on, waiting for a ride or delivery request
• Period 2: Driving to pick up a passenger or an order
• Period 3: Actively transporting passengers or delivering orders

Rideshare insurance ensures you have coverage during all three periods. Platform-provided insurance is usually limited or non-existent in phase 1. Getting rideshare insurance protects you from the moment you log into the app until you log off.

Do I Need Rideshare Insurance?

If you drive for Uber, Uber Eats, DoorDash, Lyft, Instacart, Amazon Flex, or any similar platform, the answer is almost always yes.

Relying on your personal auto policy or the app’s insurance can leave you exposed to serious risks. Many personal policies include a “for-hire exclusion,” which means any accident that happens while working could result in denied claims or even cancellation of your policy.

Adding proper rideshare insurance helps you:

• Avoid dangerous coverage gaps
• Keep your personal auto insurance policy in good standing
• Protect yourself from out-of-pocket costs during times when the app’s coverage is limited (such as when you’re waiting for a request)

If you want peace of mind while you drive, rideshare insurance is a smart and affordable choice.

What Does Rideshare Insurance Cover?

Rideshare insurance typically provides broad protection for both you and your vehicle. Common coverages include:

• Liability coverage: Covers injuries and property damage to others if you’re at fault
• Collision coverage: Covers damage to your car, even if you’re at fault
• Comprehensive coverage: Covers non-collision damage (theft, vandalism, weather)
• Uninsured/underinsured motorist: Protects you if you’re hit by a driver without adequate insurance
• Medical payments coverage: Helps with medical expenses for you and your passengers

These coverages are crucial because they address the periods that are not fully covered by Uber/Lyft’s insurance, especially while you’re waiting for a ride or delivery request. By having a comprehensive policy in place, you’ll know that you’re covered at all times.

How to Get Rideshare Insurance

Getting the right rideshare insurance is simpler than you might think. Here are the basic steps:

1. Review your current auto policy: Look for exclusions on rideshare/delivery driving.
2. Get a rideshare quote from Insured ASAP: We shop top insurance companies to find affordable options.
3. Add coverage: As an endorsement or standalone policy, depending on your situation.

At Insured ASAP, we make it easy for rideshare and delivery drivers across the US to get affordable coverage. We work with top carriers to ensure you’re protected while you earn.

We cover drivers for a wide range of services, including:

• Uber
• Uber Eats
• DoorDash
• Lyft
• Instacart
• Amazon Flex
• Grubhub
• Shipt
• And more!

No matter what platform you drive for, Insured ASAP can help you find the right rideshare insurance to fit your needs.

Final Thoughts

In case you’re still wondering:

• Do you need rideshare insurance for Uber?
• Do you need rideshare insurance for Uber Eats?

The answer is almost always YES. Don’t risk your car, your income, or your assets. Get the protection you need today by calling Insured ASAP at (800) 641-7488 or request your rideshare insurance quote online.