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All drivers must sign up for auto insurance policies. However, those who work for rideshare companies must make sure that they have an appropriate plan before they drive, as it differs from traditional coverage. Below is a brief guide to help you protect yourself and your car.

What Are the Necessary Rideshare Policies?

Rideshare coverage contains several different aspects to ensure you have protection. Each part pertains to a separate section of the journey. Since drivers are officially on the job whenever they turn the application on—even if they have not yet received or accepted a request for a ride—they need commercial coverage. The second element covers anything that occurs after you take a passenger and drive to the location, such as an accident on the way. The third portion provides coverage for the passenger’s journey to their destination and includes any damages that the rider experiences or causes.

What Should You Consider?

auto insuranceGenerally, you should include comprehensive, collision, and liability coverage. Major ridesharing companies offer these policies, but the driver must find out whether their personal plans include an “endorsement.” This is an addition to the policy that covers commercial use when they’re working. If it does not, you will need to obtain one. If an accident happens, you must inform your provider and the ridesharing company.

Do You Need an Agent?

Drivers must recognize the distinction between their personal and commercial policies. The former will not cover rideshare activity, so seeking extra coverage through an auto insurance agent is necessary. Rideshare companies require drivers to obtain an appropriate policy and inform their agency of the commercial activity. It is challenging to navigate different systems and make the proper choice, so drivers often trust experienced professionals to help them.

 

If you’re a rideshare driver, make sure you have sufficient auto insurance. The team at Chanler Agency, Inc. Insurance will assist you through the process. Serving clients throughout Geneseo, NY, and the Finger Lake Region since 1973, the family-owned insurance agency is committed to your satisfaction. They can help you sort out the complexities, from understanding professional liability to choosing the best option for your needs. Visit the website for more information about their services. Call (585) 243-5520 to speak with a representative.

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