Are you a Lyft or Uber driver in California?

Did you know that your personal auto insurance provider may drop you from their coverage if they find out that you’re a rideshare driver? This is one of the ugly hidden facts behind rideshare companies, and one of the reasons that you’ll want to invest in a rideshare insurance policy.

Rideshare insurance is split up into 3 periods:

Period 1 – The driver has the app switched on and is waiting for a passenger request
Period 2 – The driver has accepted a request and is en route to the passenger
Period 3 – The passenger is in the vehicle and en route to the destination

Uber and Lyft offer a limited insurance policy which provides collision protection only during periods 2 and 3, leaving the driver without coverage during the often lengthy waiting period 1. If the driver is involved in an auto accident during periods 2 or 3, they will receive coverage, but will be forced to pay an expensive deductible ($1,000 for Uber and $2,500 for Lyft). A rideshare policy closes this gap by providing full coverage for periods 1-3, as well as lower deductibles if you are involved in an auto accident. The following is a list of insurance companies which offer rideshare insurance policies in California:

– State Farm
– Allstate
– Mercury
– Geico
– Esurance
– USAA
– AAA
– Metlife

If you or a loved one has been involved in a rideshare related accident, please contact Kauffman and Associates for a complimentary consultation. No case is too big or small. We can help ensure you obtain appropriate medical care and receive the maximum financial settlement possible for your pain and suffering.