Do I need rideshare coverage in my personal insurance?
Do I need rideshare coverage in my personal insurance?
Thinking about starting and doing research. It sounds like my own insurance will not cover an accident if the app is on but Uber's insurance will. However, I see different sources making different claims. Some suggest getting rideshare coverage in your insurance policy or checking with your agent about this coverage issue.
I did not see this covered in the wiki or newbie thread. Thoughts?
Posted Jan 10, 2019, 6:10 AM UTC
05
Depends on your policy and company. When I was with Allstate, I paid an extra 8 bucks a month for rideshare endorsement, which basically meant that they were okay with me doing rideshare, but provided no coverage in the event on an accident.
I have Esurance now, and I still pay for the endorsement. They’ll cover me until the point that a pax is in my car, and then it’s all Uber/Lyft. But they did offer me 100 percent coverage even with pax in the car, which was an extra 90 bucks a month or something like that.
Again, it depends. Check with your insurance to be clear.
Are you in Cali? I thought I read somewhere that esurance Rideshare coverage was only available there. (I have them and would love to add this)
Yes, I am indeed in Cali.
Always amazes me when people come to Reddit/internet to ask people about their own situations. We don't know what your policy covers so how can we possibly answer that? My existing policy already included rideshare but many/most don't. You have to ask.