Frequently Asked Questions About Rideshare Insurance

Here are answers to some common questions about rideshare insurance.

  • Do I need special insurance to drive for rideshare companies?

    Yes. Personal auto insurance usually does not cover you while driving for a rideshare service, so most drivers need rideshare insurance or an endorsement to avoid coverage gaps.

  • Does rideshare insurance cover me when the app is turned on?

    Coverage depends on the stage of driving. When the app is on but you haven’t accepted a ride, coverage is typically limited, and rideshare insurance helps fill in what the platform’s policy does not fully cover.

  • What happens if I get into an accident while carrying a passenger?

    Once a passenger is in the vehicle, the rideshare company’s commercial policy usually applies, but your personal policy may still matter for deductibles, medical coverage, or additional protection.

  • Is rideshare insurance expensive?

    Rideshare insurance is generally affordable and often costs less than full commercial auto insurance, especially when added as an endorsement to an existing personal auto policy.

  • Can my insurance company cancel my policy if I drive rideshare without telling them?

    Yes. Failing to disclose rideshare activity can lead to denied claims or policy cancellation, which is why notifying your insurer and adding proper coverage is important.