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What Is A Rideshare Gap?

By November 18, 2020November 7th, 2022No Comments

Many drivers working for rideshare companies, like Uber or Lyft, assume that their personal auto insurance policies will continue to cover them when they’re signed into the company app. However, that’s not always the case.
When the app is on & drivers are providing rideshare services, the only coverage you have is the commercial insurance provided by Uber or Lyft. Yet, if you are participating in ridesharing, a dangerous and potentially costly coverage gap still persists.
Most of the insurance industry considers rideshare drivers high risk and could refuse claims and cancel insurance policies. Make sure you are properly covered.
Erie Insurance has made the list. Erie’s rideshare insurance is rolled into your personal auto insurance coverage. Erie has simply extended their “business use” clause of personal auto insurance policies to include rideshare services like Uber and Lyft. Erie’s rideshare program is competitively priced.
Safeco, a Liberty Mutual Company has also made the list. With the Safeco Insurance ridesharing coverage, you can extend your Safeco auto policy to cover the gaps, mentioned above.
If you are a client & driving for Uber or Lift, please call to let us know. A lot of people keep this info to themselves. But it’s not a good idea if a claim arises. Be aware that your rates may go up, and in some cases, drivers have had their coverage cancelled. We do have options for you. We represent both Erie Insurance & Safeco Insurance to keep you safe & protected on the road. Let us help you with peace of mind.
Give us a call at the agency at 614.834-6624 or visit our website at
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