As ride-share apps rise in popularity, your team at The Insurance Man wants to make sure you're covered.
If you drive for Uber or Lyft, you'll want to make sure you're carrying the best possible insurance package for your needs. Beyond traditional auto insurance, you may benefit from additional accident coverage or coverage for damage that might be done by your passengers.
Serving the Las Vegas, NV, area, The Insurance Man is here to make sure Uber and Lyft drivers can get the coverage they need.
Call us today for a free quote!
Driving for app based transportation companies is rapidly increasing in popularity. Whether you drive full-time for a rideshare company such as Uber or Lyft, or it is the source of additional income, make sure you are covered.
The Insurance Man
is offering rideshare insurance to meet the growing demand from rideshare drivers for full coverage.
The Insurance Man
is one of the few insurance agencies in Nevada to offer rideshare insurance. We make sure you, your passengers and your vehicle are protected while driving.
Our company offers a rideshare endorsement to supplement your auto policy. It fills in coverage gaps while driving for a rideshare company and keeps you covered while you drive for personal use.
Give us a call today at 702-531-1616
to discuss The Insurance Man's
options for rideshare insurance.
Doesn’t the rideshare company’s insurance cover me while driving?
Uber and Lyft provide a $1 million insurance policy while a passenger is in your vehicle. It serves as your primary insurance during this time. The same coverage is not extended to drivers while you are logged into the app without a passenger.
Policies vary between the different rideshare companies, especially during the time when you are logged into the app but have no passenger in your vehicle.
Just because you are signed into the rideshare app does not mean you are covered. The time between logging into the app and a passenger entering your car, you could be uninsured or underinsured. This is considered a coverage gap.
While logged into the app, accepting a job, driving to a passenger and waiting for them to enter your vehicle, your personal car insurance is responsible for damages. During that time many rideshare companies have a policy that is “contingent,” making it a gray area.
Doesn’t my auto insurance cover me?
Most drivers with auto insurance have a personal auto insurance policy. It is intended for personal use not for commercial driving or driving-for-hire.
Unfortunately, personal auto insurance companies would be likely to deny your accident claim. When you are logged into a rideshare app, insurance companies consider that as driving-for-hire, so it would fall into the commercial driving category.
What if I do not make changes to my auto policy?
If your auto insurance discovers you are using your vehicle for profit, such as ridesharing without proper insurance, they can set the policy to cancel or non-renew.
Additionally, should a claim occur while a driver is logged into the rideshare app and they do not have rideshare insurance, their claim can be denied by their auto insurance company.
Commercial auto insurance is also available to drivers who participate in rideshare but it can be more expensive and limiting when it comes to personal use. That is why The Insurance Man
offers rideshare insurance, as a less expensive option to supplement your personal auto policy, while covering the gaps a rideshare company doesn’t cover.
Accidents are inevitable. Make sure you are covered during personal use and while ridesharing with The Insurance Man's
If you are a rideshare driver, agents at The Insurance Man
can make sure you get the proper coverage for you and your passengers. Contact us today to discover all the auto insurance options available for you.
Simply call 702 531-1616
or complete our online quote request form.
One of The Insurance Man's
agents will help you find the best deal for you.