Car Insurance Costs

Companies that provide rideshare coverage for Uber

Yes, there are insurance companies that will insure you if you drive for a rideshare company. You will need to have a special endorsement on the policy that allows you to drive for rideshare and you are usually required to have higher limits.

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Driving History

Why Uber and Lyft ask for vehicle inspection even we have a DMV inspection?

You are correct when it comes to the state vehicle inspection. You do have to have your car inspected to drive legally.

General Insurance

Can I bundle multiple ride-sharing policies together to save on insurance?

In order to have a ridesharing policy with a standard car insurance company (such as Geico or Progressive), you have to have a personal policy already established. A personal policy is what the average driver in the US currently has.

General Insurance

I didn't tell my insurance company I was ridesharing and got into an accident

If you do not have a rideshare endorsement on your policy, they might deny the claim. Insurance companies like to know all the risks they could potentially be exposed to and ridesharing presents a big one.

General Insurance

If I mostly use Lyft or Uber, do I still need car insurance?

Renting and borrowing a vehicle sound similar, but the way the insurance coverage works for both situations is different. Let's take a look:   Renting - If you have an auto policy that includes comprehensive and collision coverage, that policy will normally extend to cover a rental vehicle as well.

Eligibility
General Insurance

If I have insurance with State Farm in Pennsylvania and will be leasing a car through Uber Xchange, will I be able to keep my policy?

As of March 20, 2017, State Farm began offering a coverage endorsement for TNC drivers in Pennsylvania. This means that you should be able to maintain your existing policy once you start driving for Uber.

Coverage & Claims
Eligibility

Will my auto insurance cover me to drive for Uber?

Unfortunately most insurance companies are taking a wait-and-see approach to ridesharing coverage so the answer isn't exactly clear. Each insurance company also differs in how they operate so your best bet would be to ask your existing insurance company about this specific question before you start driving for Uber.
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