Rideshare Insurance Basics
Are you legally covered if you crash tonight?
The GAP Problem (Period 1)
Most drivers don't know they are severely underinsured the moment they turn the app ON, but haven't accepted a ride yet.
Your personal insurance (Geico, State Farm, Allstate) officially nullifies your coverage the moment you switch any gig app to "online". The apps (Uber/Lyft) provide State Minimum coverage during this period (no collision) unless you have a rideshare endorsement.
Get the endorsement!
A rideshare endorsement typically costs $10-$25/month. It is an important consideration for your financial safety if you cause an accident between requests. Coverage depends on insurer and state. Verify policy terms.
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