Does Your Insurance Cover You If You Drive For A Rideshare?
Driving for Uber, Lyft, or any other rideshare service is a way many people earn some much-needed extra cash, and part of the enticement might be the apparent ease –just needing a car and the app (this probably oversimplifies a bit, but you get the idea). Some may assume their existing auto insurance will cover them when driving for one of these services. That isn't always the case, as Brad Thayer ably covered a few years backfew years back few years backin this space.
Your Insurance Does Not Cover You
A typical auto policy will likely contain an exclusion like this:
You Rely On The Rideshare Company's Insurance (If They Even Have IT)
In that case, the driver would be subject to whatever insurance the rideshare company deemed to provide unless they had planned ahead and obtained from their own insurer additional coverage for their rideshare activities, which some insurers do sell.
To reinforce the point- if you are driving, or are planning to drive, for a rideshare service make sure you understand whether the service is providing insurance that covers you while you do it (and the extent of that coverage). Then check your own auto insurance policy to make sure you are actually covered in the event of an accident. Coverages provided by the rideshare service, if any, may depend on you having your own coverage existing as well.