Insurance for rideshare drivers requires more than your standard auto insurance policy. Rideshare insurance offers more comprehensive coverage by protecting your vehicle and your livelihood.
Whether you have Uber ride insurance or Lyft rideshare insurance, you will have the protection you need to drive with confidence.
Our professionals offer 20 years of insurance experience to help you:
- Bridge the gap in your current rideshare insurance coverage
- Find the right policy that will protect you against risks while limiting costs
- Allow you to earn money as a rideshare driver without worrying about your livelihood
Our insurance agents are here to help you compare your insurance options, answer coverage questions and assist you through the purchase of your insurance policy.
Start comparing your options for rideshare insurance in Los Angeles and the surrounding areas.
We even have low or no down payment options to help you drive with confidence during your next pickup.
Why Do Drivers Need Their Own Rideshare Insurance?
You may be under the assumption that companies like Uber and Lyft have their own insurance policies that cover drivers and passengers. You are correct in this assumption because you do receive insurance, but it is only active in certain scenarios.
If you are in an accident in any of the following situations, there is a good chance that you are not covered:
- You are driving around between fares. For example, you may have just dropped off a passenger and are waiting for somebody else to book a ride with you.
- You are waiting for a ride request at this very moment and are in an accident.
Insurers for rideshare companies will do everything in their power not to pay out claims in these instances. Our rideshare insurance covers you in these scenarios so that you have peace of mind that your personal finances and way to earn a living are protected.
Without proper coverage, you will be responsible for paying liability claims and damages out of your own pocket.
Rideshare Insurance Requirements for Drivers in California
California has strict regulations for rideshare companies that require them to keep drivers and passengers safe by meeting certain minimum coverage requirements. But while these requirements are in place, California also requires you to maintain adequate coverage on your vehicle.
In total, there are four periods in which different insurance requirements are required under state law:
- Offline: Personal insurance applies
- App on: Drivers must have a policy with a minimum of $50,000/$100,000 bodily injury and $30,000 for property damage.
- En route: TNC coverage applies, which means that the transportation network company’s liability, collision and comprehensive insurance will be active.
- Passenger in the car: Higher coverage levels are offered when a passenger is in the vehicle, up to $1 million of comprehensive liability coverage.
California’s law requires proper coverage to protect drivers and passengers with the protection they need to enjoy new income-earning opportunities.
What Rideshare Company Insurance Covers and Doesn’t
Partial coverage for liability, comprehensive and collision is available during active hours by all major rideshare companies. Full coverage varies by your driving period, as explained above, but drivers must pay the deductible out of their own pocket, which leaves you with financial strain.
Your risks are most prevalent when the app is on but you're waiting for a ride. Since coverage does not apply here, you risk personal liability claims during this period.
Additionally, since you are using your vehicle for business use, personal insurance will make it even harder for you to file a claim at this time.
We help you drive confidently with the insurance that you need that fills in these gaps so that you are not held liable during any of the four rideshare periods.
What Our Policies Cover
We help rideshare drivers in Los Angeles and the greater California area with policies that fill these insurance gaps so that you never have to worry about personal liability. For example, we cover:
- Liability coverage, which pays for damages to somebody else's property in the event that you're in an accident. This coverage is required by law, so you must have it on your vehicle.
- Collision and comprehensive coverage will pay for damage to your vehicle if you are in a collision or a natural disaster. This allows you to restore your vehicle so that you can get back on the road as soon as possible.
- Personal injury protection (PIP) insurance will pay for your medical bills in the event that you are injured in an accident.
Need even more coverage? We have additional and add-on options to offer you the coverage you need on one low cost policy.
Why Our Insurance is Trusted by Rideshare Drivers Across California
Our rideshare insurance coverage helps drivers in the state of California comply with state laws. Drivers across the state trust us because we offer:
- Customizable coverage that provides additional protection so that you never have to worry about gaps in your insurance.
- Premium claim service to help you get back on the road as quickly as possible.
- Flexible payment options that you can break up into either two halves or pay in full or pay monthly if you prefer.
- Electronic DMV service that notifies the DMV about your insurance coverage to save you time.