What does Rideshare Insurance Cover?
American Family’s rideshare insurance covers 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.
What does Uber or Lyft Insurance Cover?
Whether it’s an Uber insurance policy, Lyft insurance, or another ridesharing service, their insurance policy typically only covers your liability as a driver while you’re logged into the app and matched with a rider. That means if your car damages someone else’s property, their coverage would kick in to help cover the expenses.
Gaps Between Uber/Lyft and Personal Auto Policies
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.
As a rideshare driver, it can be tricky navigating through Uber or Lyft driver insurance, 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.