Does Your Insurance Cover You If You Drive For A Rideshare?

Posted by Scott A. Staples | Jun 23, 2021 | 0 Comments

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.  


About the Author

Scott A. Staples

Scott Staples came on board in 2006 as a clerk during law school, and joined the firm as an associate attorney in 2007. He was made a shareholder in the firm in 2010. Scott graduated, cum laude, from Washington State University Vancouver with a BA in English, and obtained his Juris Doctorate from Willamette University College of Law, with cum laude honors there as well. He has successfully represented clients in a variety of different types of injury cases, including auto collisions, premises liability, animal attacks, watercraft accidents, and construction site injuries. He has appeared, and won, before the Washington State Supreme Court (Weismann v. Safeco, 2012). Scott has volunteered time for the past several years at the Clark County Volunteer Lawyers Housing Justice Project. He has previously served on the new member and membership committees for the Washington State Association for Justice (WSAJ), and has acted as chair and co-chair of the WSAJ Clark County Roundtable. He is a member of the Washington and Oregon State Bar Associations, WSAJ and OTLA (state trial lawyer organizations), and is admitted to practice in all state and federal courts in Washington and Oregon. Scott was born and raised in Vancouver, attending Vancouver public schools and graduating from Hudson's Bay High School. He enjoys playing recreational basketball and softball, skiing, and spending time with his wife and three children.


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