Delivering food or giving strangers a lift may not feel like running a business, but they are considered commercial activities. As a result, your auto insurance provider will likely deny a claim if the accident occurred while dropping off burgers or acting as an Uber® driver. Therefore, to protect yourself on the road, think about extending your coverage.

A Guide to Commercial Insurance for Rideshare & Delivery Drivers

What Is Commercial Auto Insurance?

Personal auto insurance policies are written to cover a certain amount of driving. Using your own vehicle for rideshare or delivery services means spending more time behind the wheel, which increases your chances of being in a collision. Like your personal policy, commercial protection provides liability coverage to pay the victims of any accident you might cause. You may also opt for collision insurance to cover the damage to your own vehicle, along with uninsured motorist coverage.

Driving for Uber & Lyft®

Both Uber and Lyft offer drivers a certain amount of coverage as long as you’re logged into the app. If you’re waiting for a ride request, their liability coverage will pay $50,000 per person injured in an accident you are responsible for, up to $100,000 per incident.

If you have a passenger in the car or have already accepted a request, this coverage increases to $1,000,000, with underinsured motorist protection for everyone in the vehicle. However, they only offer collision coverage if it’s included in your personal auto insurance policy, and won’t pay anything to fix your car if you haven’t accepted a ride request. Therefore, even with their generous coverage, you’ll still need a commercial auto insurance policy to fill the gaps.

For more than 25 years, the agents at Accredited Insurance Group have provided high-quality policies to drivers throughout Omaha, NE. Whether you drive full-time or just deliver food on the weekends, they’ll help find an auto insurance policy that’s right for you. Learn more about their services online or call (402) 334-1780 to request a quote today.