Uber/Lyft Driver Coverage

Protect Your Liability with Rideshare and Gigshare Driver Coverage

Whether you work as an Uber or Lyft driver or make extra cash through a gigshare like DoorDash, Instacart, or TaskRabbit, you need specialized insurance coverage that’s separate from your regular auto insurance.

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Your regular car insurance doesn’t actually cover you when driving for ride and gigshares. In fact, if you are involved in an accident while “online”, you may be left to pay for the damages entirely out-of-pocket. That’s why you need specialized coverage.

Who Needs Uber/Lyft Driver Coverage Insurance?

  • If you drive for rideshare companies like Uber, Lyft, Via, and more.
  • If you use your car for grocery delivery services like Instacart, DoorDash, Postmates, and more.
  • If you use your car for services like Amazon Flex, TaskRabbit, and more.

Won’t My Coverage Through Uber or Lyft Be Enough?

Unfortunately, the answer is no. While these companies do offer insurance coverage, it is extremely minimal during times when you have the app turned on and are waiting for a request. Their fuller coverage only kicks in once you’ve accepted a ride and are carrying passengers.

Why does this matter? Because in the times when your app is on but you aren’t transporting passengers, if you were to get into an accident while driving, your regular insurance coverage won’t apply, and your rideshare coverage might not be enough to cover the cost of damages and medical issues. This means you could be held liable and be personally sued for the remaining costs.

By getting an Uber/Lyft Driver Coverage policy through Amigo Insurance, you’re ensuring your coverage extends beyond the minimalistic requirements from the rideshare company, helping to protect you in the event of a covered incident.

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