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rideshare coverage

Rideshare Driver Insurance 

Thinking about becoming a driver for companies like Uber or Lyft? We’ve got your back!

Driving for a ridesharing company like Uber or Lyft has its perks: flexibility, independence, and the ability to earn extra income on your schedule. However, it also means you’ll need extra insurance protection, too. Here’s why.

If you’ve done your research, you’ve probably heard of the “gap” in coverage when it comes to both your own personal auto insurance and the insurance provided by the rideshare company.

Fortunately for you, we’ve got a smart solution: American Family’s Rideshare Endorsement. It’s a simple, affordable add-on to your existing personal auto policy, and gives you peace of mind while driving wherever your entrepreneurial spirit takes you.

We get that navigating insurance as an Uber or Lyft driver can be a little tricky, so here’s a more detailed look at how you’re covered without the Rideshare Endorsement, and with it, during the three main stages of a ridesharing trip.


*Rideshare companies typically provide limited liability coverage only, and no comprehensive/collision coverage for damage to your car during Stage 1.

So are you ready to fully enjoy all the advantages of being a rideshare driver? Consider adding the protection and peace of mind you deserve, mile after mile.

Contact your agent to learn more about rideshare eligibility in your state.

  1. Your personal auto insurance typically does not offer coverage while you are signed into rideshare driving apps. Likewise, companies like Uber and Lyft cover rideshare drivers once they accept a ride request and are en route towards picking up their passenger, and then once the passenger is in their car. It does not, however, fully cover you when you are logged into the app, waiting for ride requests.

    This creates a gap in your coverage — which our Rideshare Endorsement is designed to cover.

  2. American Family’s rideshare endorsement will cover you from the moment your ridesharing app is turned on until you’ve been matched with a passenger. You’ll get the same coverages that you have with your personal auto policy, including bodily injury liability, property damage liability, collision and comprehensive, medical expense, and personal injury protection.
  3. From the moment your rideshare app is “on” until you’ve been matched with a passenger, you may not be covered by your personal auto policy, and your rideshare company’s insurance coverage typically will be limited at best — which creates a gap in your protection. This gap is then filled by our Rideshare coverage. So should anything happen in that window of time between being matched with riders, our coverage protects you from having to pay out of pocket.