Rideshare Insurance for Uber or Lyft Drivers in Arizona
If you’re using your Camry to deliver people to and from locations in exchange for money, your normal insurance policy will not provide you coverage while you’re working. To be sure you’re covered, you will need a specialized insurance policy geared towards ridesharing. This insurance policy provides coverage while driving for any Transportation Network Company, such as Uber or Lyft, while the App is turned on even if a rider has not been accepted.
This endorsement provides coverage for drivers who participate in ride sharing activities. A ride sharing activity can be described as someone who uses his or her own vehicle to drive passengers or property for a fee on behalf of companies like Uber or Lyft. This endorsement applies to the stated coverages during the period of time when the driver is available for hire until the driver accepts a request for transportation of persons or property for a fee.
Basically, these insurance policies will cover the driver on a personal auto policy whenever the Ride Sharing Companies’ insurance does not cover them. Typically, those policies will cover their drivers once they are on the app and accept a ride.
I am delivering food with my vehicle, do I need to share this with my insurance agent?
The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.
Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.
A commercial auto insurance policy is needed for:
- Freight delivery
- Food delivery services
- Courier delivery services
- & many more!
Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.
When deciding what coverage you need, ask yourself these questions:
- Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
- How are you using this vehicle? Delivery drivers need a commercial insurance policy.
Your best bet is to talk to a licensed agent in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with.