Driving Uber or Lyft can be a great way to make some extra money, or even to support yourself while looking for a more permanent position. However, one thing you may not have considered is the idea of ridesharing insurance. In Missouri, it is far from automatic that your personal car insurance will cover your Uber/Lyft driving. If you have been operating as an Uber or Lyft driver without considering whether or not you are covered by insurance, there are some insurance aspects you should consider.
Get a free quote from David Pope Insurance and we can also provide you with insight on what your present insurance covers and if your Uber/Lyft operation is fully covered.
A lot of people who decide to drive Uber or Lyft for extra money don’t even consider the possibility that their rideshare driving is not covered by their own personal auto insurance. This can be a big problem if you get into an accident while on an Uber or Lyft drive and find out you are not covered. The truth is that even if you are using your own car, ridesharing is a commercial transportation service, with different insurance considerations than your personal vehicle.
Ridesharing insurance is a type of insurance designed particularly for people who do ridesharing services like Uber or Lyft. Uber or Lyft may cover you in an accident situation, but they may not. A lot depends on where you are located and what you are doing when the accident happens. Buying separate ridesharing insurance is an option, but it can be expensive, and there may be gaps in the coverage. For example, you may not be covered when you don’t have a passenger in the car.
If you’re doing Uber or Lyft in Missouri, we recommend you contact David Pope Insurance to purchase an auto insurance policy with a ridesharing endorsement. If you already have an auto insurance policy, it only makes sense to add a ridesharing endorsement.
This will allow you to avoid the hassles of trying to find a separate commercial policy for your Lyft or Uber affairs while still making sure you are covered whenever you are behind the wheel. At David Pope Insurance, we are experts at finding flexible and creative policies fast. We should have no problem finding you an auto insurance policy where you can check a box for rideshare coverage for a nominal increase in rate.
As one of the premier auto insurance providers in Union, Missouri, and surrounding areas, we are well known for our ability to scour our network to find competitive rates for great auto insurance policies. If you’ve just started ridesharing, this is a great opportunity to find a new auto insurance policy that is affordable and offers you all the coverage and protection you need, including ridesharing protection.
For a free quote on your auto insurance policy with ridesharing endorsement, contact David Pope Insurance online today.