By Evan Parsons
Although driving for a rideshare company such as Uber or Lyft can be fun, it comes with a lot of responsibility. There is plenty of risks while driving through a busy city during rush hour, or even late at night. Not only do you have to worry about the passengers in your car, but also other drivers on the road. Driving for a company comes with liability, and you want to know you and the passengers in your car are protected if an accident were to happen.
What exactly does rideshare insurance cover? Different rideshare companies may have different insurance policies, but if you are logged into the app during the time of the accident, you can be sure that you are protected. Whether you are waiting to pick up a ride, en route to pick up a rider or in the middle of a trip with passengers in your car and an accident occurs, you are covered.
Rideshare insurance can protect you in case of injuries to a passenger, to yourself or damage to your vehicle. If another driver is at fault and doesn’t have insurance, rideshare insurance can cover that as well. However, if you are using your vehicle for personal use like running errands and get into an accident, your car is insured under your personal auto insurance.
Agent Jessi Boles says, “It is also important to check with your personal insurance carrier as some companies will not write policies for clients who driver for rideshare services and that can create complications during a claim if you didn’t know that when you started.”
As a driver, it is crucial to be aware of the steps to take in case of an accident. It would be helpful to have safety training to be prepared on how to react to a situation and get help. Another way you can make sure that you are prepared would be to travel with tools that may be necessary for an emergency, such as a first aid kit.
Steps to take in case of an incident:
- Make sure everyone in the car is unharmed
- Call 911 in case of emergency
- Collect information from the other driver(s) involved in the accident including their driver’s license, their insurance information and a number to reach them at
- Report the accident to your insurance agency