Rideshare: Will my insurance protect me while working?

Does my auto insurance protect my car if I drive for Uber, Lyft or other driving services?

I get this great question all of the time as I get asked a lot and or find out later that a person has been driving for Uber or some other type of driving service. Not all insurance companies offer protection for this service, even though you can purchase an insurance plan through that carrier company such as for Uber or Lyft. These plans also do not protect you for from the time that the driver initiates the call up until when they get into your vehicle, so it’s very limited protection unless you have an endorsement onto your auto policy that offers this. Be sure to inform your agent about this employment to ensure you are properly protected. The insurance carrier may not provide protection if you did not disclose that you are working as a contractor for a rideshare company.