What happens when you’re driving for Uber or Lyft and you get in an accident?
Uber and Lyft and other ride-sharing companies have all seen their fair share of controversies. While you’re driving for these insurance companies, you’re normally covered by their insurance. While the app is turned off though, you’re covered by your personal insurance. This is pretty straightforward. But while the app is on, and you’re not transporting a customer, meaning, you’re looking for a customer, you’re not covered by either. In some cases, personal auto insurance policies are often canceled once the company finds out that the driver is employed by Uber or Lyft—leaving them with no personal insurance.
How Are Drivers Supposed to Protect Themselves?
If you’re a driver for one of these companies, you may be nervous about coverage should you be involved in an accident. The easiest thing that you could do is purchase commercial insurance. But for many part-time drivers, this wouldn’t make any financial sense. The next best thing would be to contact your insurance company and ask questions about how they deal with claims followed by drivers like you.
It also varies from state to state. Find out if your state requires insurance companies to provide coverage to ride sharing drivers. If you are in one of those states, contact your insurance company.
You can also push your representative to forward legislation regarding this type of insurance.
For all of your car coverage needs to keep all of your vehicles protected,
contact CV Mason Insurance Agency in Bristol, Connecticut. We will work with you to ensure you have the right amount of coverage, all at the right price to fit your budget.
