Uber and Lyft Car Insurance

Are you an Uber or Lyft driver?

Roadway now proudly offers Progressive® Auto Insurance for Uber and Lyft drivers in Maryland

If you are working for a rideshare company, it is vital to find an auto insurance policy that keeps you and your passengers protected. In the rideshare market, traditional auto insurance policies won’t suffice. Our team at Roadway Insurance can work with you to explore your options and find the right protection for your vehicle.

progressive auto insurance for uber and lyft drivers in maryland

The Importance of Rideshare Coverage

Auto insurance is required by law in the state of Maryland. While Uber and Lyft provide a basic form of coverage, it is not comprehensive. Typically, a rideshare trip is divided into three phases. In many cases, the basic rideshare coverage will only apply to phase 2 and phase 3.

  • Phase 1: Rideshare driver is logged in and waiting for a ride request
  • Phase 2: Rideshare driver receives ride request is en route to picking up their passenger
  • Phase 3: Rideshare driver is now driving their passenger to their chosen destination

Rideshare insurance can help cover the cost of damages during an accident. For instance, if you are in phase 1, your basic rideshare insurance will more than likely not cover your expenses. If you are in phase 1, it may count as an exclusion under your ridesharing company’s policy.

At Roadway Auto Insurance, we can help Uber and Lyft drivers get the coverage they need through Progressive Auto Insurance.  Through Progressive Auto Insurance, drivers can obtain the insurance they need to cover what their ridesharing company does not.

What is the Coverage Gap for Uber and Lyft?

Ridesharing insurance typically does not provide coverage for phase 1. Although they may provide liability insurance if a driver is in an accident, that does not include protections for the driver. In many cases, comprehensive insurance only applies to phase 2 and phase 3

During phase 1, your personal auto insurance and your rideshare coverage from your employer are not in effect, which means there is a gap in coverage.

Ridesharing insurance can keep you protected and covered during the gap.

Our team at Roadway Auto Insurance can provide Uber and Lyft drivers with the coverage they need for all phases of their ridesharing process through a Progressive Auto Insurance coverage policy.

How Does Rideshare Insurance Work?

If you are an Uber or Lyft driver, your current insurance may be limited until a ride request is accepted. While many drivers have personal policy coverage, it may have exclusions depending on the type of coverage. In many cases, personal insurance does not cover ridesharing. Rideshare insurance is designed to fill the gap in coverage.

Roadway Auto Insurance is a Progressive Authorized Provider

As a Progressive authorized provider, Roadway Auto Insurance proudly offers Progressive insurance to drivers in Maryland and DC. Save money and get discounts for prior coverage, paperless delivery options, and electronic fund transfers.

Would you like to learn more about your insurance options and determine how you can obtain Progressive insurance through Roadway?

Feel free to contact one of our experienced Roadway auto insurance team members to explore your options. To learn more about your ridesharing coverage, call 301.476.1183 or contact us online.

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