If you drive for Uber, Lyft, DoorDash, or any gig delivery service and you haven’t told your personal auto insurance, you have a potential coverage gap.
This video generated 170 comments – clearly a hot topic for gig workers. The responses revealed how divided drivers are on this issue.
‘I’ve been doing it since 2018 and I never told my insurance ‘ wrote one driver. Another shared a cautionary tale: ‘My roommate was in a serious wreck last week while she had a rider in her car. Her lawyer thinks her insurance company is going to deny her UM claim bc she didn’t have rideshare policy.’
Cost is the main concern. ‘Sometimes it’s worth taking your own risk because it becomes expensive,’ one driver wrote. ‘My insurance was at $230 and when I told them I was doing rideshare they added another $200.’
But others found affordable options: ‘I have the rideshare rider on my insurance with Progressive, it’s only $10-12 more a month. Also if I have to make a claim through Uber, Progressive will cover the difference between my deductible and theirs.’
Several viewers were skeptical: ‘If you tell your insurance they will cancel you on the spot.’ Dettman’s response: ‘Insurance companies are pretty smart. Hope you never run into the problem.’
The bottom line: Insurance companies can deny claims if you weren’t honest about how you use your vehicle. And rideshare company insurance doesn’t cover everything – there are gaps. Call your insurance company and tell them. It might cost a bit more, but it protects you if something goes wrong.
*This post is for general information only, not medical or legal advice.*
*Comments referenced above are from social media discussions, not client testimonials, and were accurate as of the time this article was created.*
Rideshare Drivers: Tell Your Insurance or Risk Losing Coverage
Rideshare and Food Delivery drivers must know this information. Failing to tell your auto insurance about work gives them a reason not to provide coverage.
https://www.tiktok.com/@dettmanlawinjurylawyer/video/7538460903310773535
What happens if you don’t tell your insurance company that you’re driving for Uber or Lyft or another rideshare company? They can come back later and say you didn’t tell us the whole truth. And because you didn’t tell us the whole truth, we’re going to do what’s called disavow coverage, which means provide you with zero coverage. Now you’re thinking to yourself, you get coverage through Uber or Lyft. There’s all sorts of circumstances where they will also deny coverage. So if you are doing Uber, Lyft, DoorDash, GrubHub, any of those things, it is absolutely imperative that you call your insurance company and say you’re doing that. Because if you don’t, it can cause massive problems for you later down the line. Just call them and tell them what’s up.
