Rideshare Insurance
Ridesharing is now a mainstream transportation option across Utah, especially in busy areas like Salt Lake City and Park City. Services such as Uber and Lyft provide a convenient, affordable, and app-driven way to travel. For drivers, it's a flexible and potentially lucrative gig-but one that comes with important insurance considerations. That's where rideshare insurance comes in.
What Happens If You're in an Accident as a Rideshare Driver?
One of the biggest questions for drivers is: What happens if you're in an accident while driving for Uber or Lyft? The answer depends on what part of your driving shift you're in and whether you've properly informed your personal auto insurance company about your rideshare activity.
When signing up to drive with a platform like Uber or Lyft, your first step should be notifying your insurance agent. Failure to disclose your commercial driving can lead to denied claims or policy cancellations if you're involved in an accident-especially during coverage gaps when company-provided insurance does not apply.
What Does Rideshare Insurance Cover?
While companies like Uber and Lyft do provide some coverage, their policies only offer partial protection, particularly in Period 1, which is when you're logged into the app but haven't yet accepted a ride. During this time, company policies typically only cover basic liability-and only if your personal insurance doesn't explicitly exclude commercial use.
Understanding Driving Periods
It's essential to understand the four distinct periods rideshare drivers operate under, as each affects insurance coverage differently:
- Period 0: You're offline and not using the app-only your personal policy applies.
- Period 1: The app is on, you're waiting for a ride request-only limited liability coverage from Uber or Lyft is active.
- Period 2: You've accepted a ride request and are en route to the passenger-full company-provided coverage begins.
- Period 3: A passenger is in the vehicle-rideshare company insurance remains in full effect until drop-off.
Drivers who do not carry rideshare endorsements or hybrid personal-commercial policies may be completely uncovered during Period 1. Speaking to a knowledgeable, local insurance agent is crucial.
How Much Does Rideshare Insurance Cost in Utah?
Today, more insurers offer rideshare coverage endorsements than ever before. These optional add-ons typically cost around $150 annually per vehicle in Utah. Rates vary based on your insurer, driving history, and the vehicle used.
Where to Get Rideshare Insurance in Utah
Several carriers now provide state-compliant rideshare insurance policies in Utah. These include:
These providers work with local independent agencies like Keystone Insurance, offering customized solutions for drivers. If your current auto insurance provider doesn't meet your needs or denies coverage for commercial use, consult a licensed Utah insurance agent who understands rideshare requirements and can offer the proper endorsement or policy customization.
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Contact Us for a Free Quote
If you currently have an auto insurance policy with a different agency that does not have a rideshare insurance add-on, you are still able to make sure you are covered in the event of an accident. You can speak with a qualified insurance agent near you about adding a commercial auto policy to your current policy. Here at Keystone Insurance, we pride ourselves on making sure our customers have the coverage that they need. Contact us today if you have any other questions about rideshare insurance, or our agency and how it can help you: (801) 852-5555
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