Rideshare Insurance FAQs

Since the rise in rideshare apps such as Uber and Lyft over the last decade, millions of Americans are now employed as rideshare drivers. These companies often extend car insurance to their drivers, but these policies are not always comprehensive. Sometimes there is a gap in coverage that can leave rideshare drivers at risk if there is an accident while they are working. Roadway Auto Insurance, a car insurance provider for Maryland drivers, responds to frequently asked questions about rideshare insurance.rideshare car insurance maryland

Why do rideshare drivers need a separate policy?

A rideshare driver typically experiences three phases during a job. In phase 1, the driver is online and waiting for a ride request. Phase 2 is when the driver receives the request and drives to the passenger. Phase 3 alludes to the driver escorting the passenger to their desired destination. Typical auto insurance policies cover phases 2 and 3. If an accident occurs during phase 1, employer insurance may not cover the cost of damages. For this reason, rideshare drivers should obtain a separate insurance policy and protect all phases of their work experience.

What is involved with rideshare driver coverage?

If a rideshare driver is in an accident during phase 1 of their work experience – logged into the app and waiting for a ride request – liability coverage may help cover expenses but not protect the driver. Comprehensive car insurance usually extends to only phases 2 and 3 for a rideshare driver. This gap in coverage can be covered by a separate policy from a private insurance provider that is capable of protecting a driver during all phases of a rideshare experience.

How do I know if I have a coverage gap in my current policy?

If you are using rideshare insurance from your employer, you should review the insurance policy carefully to understand how well it protects a driver during each phase of a rideshare experience. An insurance professional can also evaluate your coverage thoroughly. You can schedule a consultation with a qualified insurance provider to discuss your current policy. You can also get a quote for an updated plan that can protect rideshare drivers completely during all phases of their work.

Car insurance available for Maryland drivers

Roadway Auto Insurance provides car and motorcycle insurance to drivers across the state of Maryland. We also offer MAIF insurance for qualified drivers. To get a quote at no cost to you, contact our office online or reach us by phone at 301.476.1183.

Roadway Auto Insurance