Currently available in Arizona, Colorado, Illinois, Indiana, Kansas, Minnesota, Missouri, Oklahoma, Oregon, Tennessee, Utah, Washington and Wisconsin. Talk to your independent insurance agent to purchase.
So you’re a rideshare driver, generating extra income or maybe even working full-time using your personal vehicle to transport others. You love the freedom of setting your own hours and traversing the city with interesting people in tow. What you might not love? The gap in your auto insurance coverage that happens when you drive for a transportation network company (TNC), such as Uber or Lyft.
Nearly every carrier’s auto policies exclude coverage for incidents that occur when a personal vehicle is used to transport paying passengers, such as during ridesharing.
The entire time your TNC app is on, your personal auto policy is suspended. Your TNC does provide coverage, but only for the period of time between accepting the passenger and dropping off the passenger. No passenger, no coverage for your vehicle and any damages or injuries you may sustain or cause.
Safeco RideSharing Coverage steps in to cover you between passengers, effectively closing the gap.
*Coverage subject to the terms of your policy.
No coverage for compressive and collision. TNC could provide potentially lower liability limits than your personal policy. Not available in all states.