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Rideshare Insurance

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Rideshare Insurance Information

Rideshare Insurance

Serving Raleigh, Garner, Clayton, Fayetteville, Willow Spring, NC

Whenever you drive for a rideshare company, you must ensure your car insurance covers you. Still, if you don't include ridesharing coverage on the policy, you might leave yourself exposed to multiple risks.

To get rideshare insurance, all you have to do is let ACF Insurance Services know. We offer multiple policy options to suit the needs of any part-time or full-time rideshare driver.

What Is Rideshare Insurance?

Today's service economy has caused an explosion in the ridesharing industry. Numerous companies have made it possible for drivers to use their own cars to transport people and materials for a fare.

When driving for a rideshare company — such as Uber® or Lyft® — you are operating your vehicle commercially. Therefore, you'll need your car insurance to address operating risks related to such activities. A rideshare car insurance policy can will help you gain this coverage. Coverage can insure you both during your personal and business driving.

Is Rideshare Insurance Necessary?

Personal car insurance won’t cover you while you drive for business. As soon as you open the rideshare app and start work, your standard coverage might not apply. That is a big gap you cannot afford.

However, if you get rideshare insurance, you'll essentially be able to extend most or all of your personal coverage throughout the periods when you drive for the rideshare. Coverage can apply to you while:

  • Driving personally, or when you are in app-off mode
  • Waiting for a rider, in app-on mode
  • Driving to pick up a rider (app-on mode)
  • Carrying the rider and waiting for another call

Do Rideshare Companies Offer Insurance?

Rideshare companies do offer certain types of auto insurance. Still, these options will only provide limited coverage.

  • Policies will likely only cover you during the times that you are driving app-on.
  • If you do not have a rider, but are still app-on, the policy might only provide limited coverage.
  • The coverage limits provided by the rideshare company's insurance might not offer you enough liability or physical damage protection for your own needs.

How Does Rideshare Insurance Work?

Don't run the risks posed by carrying only the coverage offered by the rideshare. Rather, a personalized rideshare policy will address specific driving risks you face behind the wheel. Policies can offer:

  • Liability Coverage that pays for the harm you cause others, such as other drivers or your passengers.
  • Collision Insurance for damage your vehicle sustains when wrecks occur.
  • Comprehensive Insurance, which covers non-accident damage to your vehicle, such as damage from severe weather or theft.
  • Uninsured/Underinsured Motorist Coverage for times when other at-fault drivers cause you harm but lack the appropriate liability insurance to cover your losses.

By getting coverage, you'll receive ample protection throughout the time that you are at work. All coverage requirements set by North Carolina's law will apply during app-on and app-off periods.

Why Choose ACF Insurance?

Since 1991, ACF Insurance Services has provided drivers throughout greater Raleigh with targeted insurance coverage, supported by customer-first service.

We fully understand that you might not know exactly what type of rideshare insurance you might need. We'll make it easy for you. Our team can compare plan costs and coverage options across multiple providers, to lead you in the right direction to get you the coverage you need at an affordable price.

Ready To Get Started?

Contact us today for a fast, free rideshare insurance quote. You can start online or over the phone.

We can get you a quote very quickly, and we will do all the legwork for you.

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