Ridesharing has become an incredibly popular way to get around in Utah. Convenient, affordable, and easy to track with their intuitive Apps, companies like Uber and Lyft have changed how many view transportation, especially in high tourist areas like Salt Lake City or Park City. And these programs can be very lucrative for the drivers as well but it also leads to many questions like what about rideshare insurance?
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When a person signs up to be a rideshare driver with a company like Uber or Lyft, the very first thing they should do is inform their personal insurance company that they will be using their car to make money. If you neglect to disclose this to your insurance company; they will be likely to cancel your policy should you ever get into an accident during a time when you don’t have coverage from the rideshare program.
If you are a rideshare driver, you should understand that although you are covered under these company’s policies; there are definite gaps in the coverage, particularly when you are in Period 1, during your driving shift.
Here is a breakdown of the different driving ‘periods’ or ‘phases’ you would find yourself in as a rideshare driver (whether you’re driving for Uber, Lyft, or another rideshare company). It is essential to know how you are covered during each.
In the state of Utah, there are a handful of insurance companies that offer rideshare insurance policies; among these are Progressive,
Safeco, Auto-Owners Insurance, and United Insurance Group. All agencies we work with here at Keystone Insurance. With the rideshare program’s ever-growing popularity, it is only a matter of time before more agencies will craft and offer these policies. When looking for local auto insurance, make sure to check with your fully-licensed Utah insurance agent if you are not pleased with your current policy.
Read more about the consequences of driving without insurance in Utah.
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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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