Health

Everything You Need to Know About Rideshare Insurance in CA

Rideshare insurance is the type of insurance plan which covers the void between both personal and commercial auto insurance. You must know that if you want to put your car with a rideshare company in California then you need to get the best California rideshare insurance. Having commercial auto insurance or personal auto insurance isn’t going to provide you coverage for any damages that occur in an accident while you are on a ride. 

Here an important thing that you need to know is that rideshare insurance is very much important in California because it is a legal requirement. Not only is it required by the state laws but also all popular rideshare companies working in California would ask drivers to get the best rideshare car insurance California. 


WHAT DOES RIDESHARE INSURANCE COVER?

Rideshare insurance is the type of commercial auto insurance which is designed for people who work with ridesharing or delivery companies like Uber, LYFT and Careem. This type of insurance is important to get for private vehicles which are being part time used for ridesharing business.

The different kinds of coverage which you can get with the best rideshare insurance California include:

  • Coverage for all sorts of bodily injury liabilities 
  • Coverage for all liabilities in case of property damages
  • Comprehensive coverage for the vehicle 
  • Collision coverage in case of a road accident
  • Under or uninsured motorist coverage

Can I buy just rideshare insurance?

This is a very common question often asked by drivers who are planning on getting a new car for their rideshare business. Well you must know that you cannot only get rideshare insurance for your car. You can only get it as an add on with your current commercial auto insurance or personal insurance plan. So you need to get in touch with the best auto insurance provider and ask them for an add on plan that would cover your car and passengers during rideshare.

Here an important thing that you need to know is that ridesharing insurance provides different coverage for different periods. There are three major periods in which rideshare insurance is active. These are mentioned below for your knowledge:

  • Period 0 is the time when you are driving your ride insurance car without turning on the ridesharing app. Know that during this time if your car gets into any kind of damages then you cannot claim coverage for it. You have to get claims for the damages from your private auto insurer. So one thing that you need to know is that rideshare insurance would only be active when your ridesharing app is active.
  • Period 1 is the time when your application is active and you are waiting for passengers to connect with you for a ride. You would get minimum coverage if your car gets into an accident during this time.
  • Period 2 is the time when you are en route to pick the passenger from their pickup location. The coverage rates are better in this period.
  • Period 3 is the time while you are on the ride with your passengers. This period ends when the customer gets out of your car. You get the highest coverage in period 3.

Leave a Reply

Your email address will not be published. Required fields are marked *