Does standard auto insurance cover Uber and Lyft driving?

At Peninsula Underwriters Insurance Agency in Gainesville, FL, we understand that times are tough for most consumers. As a result, many of you find opportunities to supplement your income. A common way many do this is to drive for Uber or Lyft. However, it is vital that you contact your insurance company to ensure that you have coverage when operating your vehicle for one of these ridesharing companies.

Driving for a ridesharing company is a common exclusion for most insurance companies on a standard personal auto policy. Therefore, you may not be covered if you are in an accident while transporting passengers to their destinations. This could leave you responsible for any injuries to your passengers and those in the other vehicle with which you were in an accident. It could also leave you responsible for damage to the property of others caused by the accident.

Why, you ask? Uber and Lyft are considered commercial use, and a personal auto policy does not cover business driving. So, you would need other coverages, such as a commercial policy or a rideshare endorsement, to cover your vehicle when driving for one of those companies. This rule also includes driving for delivery services such as Uber Eats, Grub Hub, and Door Dash, to name a few.

Now that you know this information, you must protect yourself, even if you think there is a possibility that you may begin to drive for one of these transportation or delivery services.

Call Peninsula Underwriters Insurance Agency Today!

When supplementing your income by ridesharing or making it your main source of income, ensure that you are protecting yourself and everything you are working hard for. Call Peninsula Underwriters Insurance Agency in Gainesville, FL, today with questions about rideshare driving. Our number is (866) 791-9016.