Am I Covered If I deliver or drive for a Rideshare Company?

You or your family member decided to earn some extra cash by becoming a driver for Uber or Lyft or deliver for Uber Eats or GrubHub. One of the most important questions you’ll ask when starting out is, “Does my personal insurance cover me?” No, business use of a personal auto is not covered by personal car insurance policies.

Some companies can add this endorsement to your personal policy to allow coverage. Driver and delivery companies may also provide coverage for their drivers, but it doesn’t protect you the entire time you’re on the road – only when you’re engaged in transporting passengers or goods.

Keep in mind, not all transportation endorsements are equal. Depending on the insurance carrier, some services are covered, and some are not. For example, just because a transportation endorsement covers Uber or Lyft it may not cover driving for other rideshare companies. Before signing up to drive or deliver for a new service, be sure to contact your agent to find out if you are properly covered.

Getting proper insurance doesn’t need to be a hassle. Look at your current plan and the plans available to you from your Aitken & Ormond Agent. Find one that covers you for all situations, and you’ll be good to go.