Rideshare insurance works like regular business auto insurance, with a couple of exceptions:

  • It specifically covers independent drivers for both their personal and for-hire driving.
  • Rideshare drivers have two insurers! Who to call when an accident happens? It depends on whether or not the  driver “on duty”. Learn more: When is rideshare coverage in effect?

As you may have heard, a couple of major auto accident cases ruled that Uber was partly responsible for some of the damages. It became clear that insurance companies needed to come up with something that covered business use, but that was adapted to a solo contractor, so these “hybrid” policies were born.

So...who pays?

If the other driver is at fault, whether they are an Uber driver or not, it’s your insurance company’s job to collect payment from their insurance company. You will have to pay the deductible until they collect that payment.

There is a coverage gap, though that’s gradually being remedied as insurance companies figure out the details. The “gap” happens during the time the driver was logged in to their rideshare app, but hadn’t accepted a ride request. Need more info about who covers what, and when? Click here to learn, When is rideshare insurance coverage in effect?

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