Which companies offer rideshare insurance?

[@raquelmiles587]

Awesome advice!!! Thank You

[@RideshareGenius]

Great information, Harry! Should be required watching for all drivers

[@Michelle_9_27]

On a 07 Blazer it added $21 month. A 2017 Impala a whopping $160 mo. Through State Farm Louisiana

[@Zizzyyzz]

I'm in California and I just got Rideshare Insurance through AAA added to my regular policy for only about $20 per month.

[@Zizzyyzz]

EvilAlbear They most certainly certainly DO. I'm in California and I guarantee you that I have Rideshare insurance on my policy. It added another $238 per year to my policy which equals a little under $20 per month. Perhaps they don't offer in your state or other states but in the state of California they DO offer Rideshare insurance. I had Geico before AAA and they did not offer Rideshare Insurance in the state of California. That's one of the reasons why I switched to AAA.

[@Zizzyyzz]

EvilAlbear I'm sure. This was only a few weeks ago, but things are constantly changing. I wasn't happy with Geico's customer service anyway, so that was another reason why I switched to AAA. I'm in Northern California towards Sacramento. This whole Rideshare insurance thing is relatively new to some companies, so I'm not surprised that there may be some confusion. But I guarantee you that I have the Rideshare Insurance endorsement added to my AAA policy. It's listed on my Declarations Page clear as day.

[@beyondspace3736]

your dumb evilal

[@caseymyhro3769]

AAA does NOT offer rideshare insurance. The only thing they offer is commercial insurance, though an affiliated company.

[@Alaska9000]

What's name of your company

[@particleinthewave8378]

Thanks for the resource. I am glad I did a little more digging as I got a slightly lower overall quote from USAA than from my current carrier Allstate BUT found out that while the USAA rider covers the gap between you logging into the app and your first ride when Lyft kicks in their version DOES NOT provide any relief for the $2500 Lyft deductable which the Allstate rider in my state (Wa) does so I pay about $3-4 more a month but if I get in an accident with the Allstate will cover the difference between my regular insurance deductable ($500) up to $2500 of the my Lyft deductable or $2000

[@tonyv3427]

Harry just like someone else commented I can't believe that there is still discussion on this issue. I agree with the person who commented that commercial Livery insurance is the best way to go. At least with Livery insurance there is no worries about not being covered. In this day and age with people being sue happy having Livery insurance is the only way to protect yourself. I wouldn't depend on Uber's insurance for second.

[@doommuffinz5276]

Geico just told me that they DO NOT offer ride-share at all 😕

[@allisonswonderland57]

Allstate has everything. It might be more expensive....but they are efficient and helpful.

[@dave-by2on]

they do not cover the eats platforms

[@kenngo3704]

If Uber/lyft have all their drivers covered with their insurance, why do drivers still need to get a rideshare insurance? I’m a little confused because, the driver is being covered by his personal car insurance when he is not having the Uber/Lyft app on. As soon as he turned on the Uber/Lyft on, he is being covered through Uber/Lyft insurance. Is it not?

[@jorgerivera8933]

Yes. But it seems that the deductible of over $2k is the problem. Not sure if this has dropped since the time they made this video.

[@SolMex64]

Thank you I have State Farm but I was looking for other companies but after your information I will stay with State Farm

[@wpdrusky]

Great video! Great job! Make a current video about this!!!

[@Lostcause1974]

USAA doesn't currently offer Rideshare insurance in NY State.

[@MarkVassmer]

Opton just ended their pilot program on September 30, 2019. I just tried to sign up

[@alfredopenez1059]

Can I ask you about Voom insurance can I use it my Avis Under uber program.

[@87rtlandry]

I tried to get State Farm but they wouldn’t cover me because I was basically wanting to work 5-6 days a week with Uber. They said that if I were to work 50% of that, they might. Oh! And I had Geico, but as soon as they found out I was driving for Uber, they dropped me, no questions asked.

[@andyyi7071]

Hi my insurance company doesn't have rideshare policy Do I have to switch insurance company?

[@PaTroNxMoD]

how would your insurance know you if you were in period 1 or 2? what if you just turn off the app and say you weren't working?

[@Therideshareguy]

If the ins company asks directly, you have to lie to them - and that's a criminal offense. If there's several thousand in damages on the line, they'll certainly use every means they have available to try to find you out and avoid paying - although I can't say for sure what means they use. Here's a blog post on the topic - therideshareguy.com/rideshares-little-white-lie/

[@saidufofanah2210]

I had a Uber driver hit me when he was dropping a passenger off, when I called his insurance company to make a claim, they told me that they would call uber and see if he was logged on during the time of the accident and if he was logged on, they would not cover him, Uber’s insurance which was State Farm in New Jersey called me and covered the costs of the damages to my car

[@muradshawar]

Saidu Fofanah But what happens to the driver Uber driver does he get dropped from his insurance

[@Claroboy911]

@@muradshawar if you dont have coverage for rideshare through your personal insurance you will pretty much get black listed from most insurance companies and you can expect a hefty rise on your insurance rates from the few crappy companies that would want to cover you. Just pay the freaking extra $6-$20 a month and don't lie if you crash

[@muradshawar]

Alarm Tech911 I ended up not doing it . Found something better but thanks for the reply . I like uber stock though think they have huge potential

[@caseymyhro3769]

I work for Instacart, which doesn't insure their drivers, regardless of if you're in period 1,2, or 3. I live in California, thankfully. So, I assume State Farm is my only option then.

[@gunnarlyle8186]

A trick: you can watch series at flixzone. Been using it for watching lots of of movies these days.

[@edenameer5840]

@Gunnar Lyle yea, have been using flixzone for years myself :D

[@caseymyhro3769]

@@gunnarlyle8186 That has nothing to do with this video.

[@caseymyhro3769]

@@edenameer5840 Nothing to do with the video.

[@Katjaneway]

in WA we're pretty far behind in the rideshare game. I did a fair bit of research regarding this. so in WA, they require Uber and Lyft to cover you during phase one but the coverage as as crappy as it gets. I had Progressive as my personal coverage and not only do they not have a rideshare coverage option, but I can't even get commercial ins from them. State Farm has TNC coverage add on for about $15 a month obvi depending on your location. it gives me the ability to not only be covered during all 3 phases but I will also have roadside assistance like I would on my personal coverage. I pay more for the basic coverage than I did with Progressive but their basic plan also offered a bit more. I read that MetLife offers coverage for Lyft only but their quote was too rich for my blood. Geico dies not cover. I think USAA does but I can't get in. State Farm is kind of the only option in my area.

[@brujodark666]

Katjaneway state farm only cover you if you work parte time for uber, thats what they told me,

[@wolverestskyrider]

I drive in Texas and so far I've yet to find any insurance company that has rideshare insurance for my state. None of the small companies in my town offer it, geico and Allstate also do not cover. State farm covers ONLY if it's less than half of my driving and not my main source of income. Going to try progressive next but I have a drive ahead of me for them.

[@user-kb7vg5ws3c]

There is.no need for a ride share insurance, because your car supposed to be old enough, and does not need collision coverage. Only liability, provided by uber/left. You personal car insurance should not care if you drive ride share. That is why after 25 years with Geico I went to Liberty Mutual. My personal insurance became even cheaper.

[@MrKeenSharpeningService]

beware of buckle. very slow on claims and will try everything to deny coverage!!!

[@wturner777]

I have Geico in Florida and they have a rideshare option, but they consider that as commercial which is crazy expensive. I am not willing to spend $300+/ month along with a $500+ down payment. I want to switch but I'm afraid there may not be much options. Rideshare service was just reintroduced in my area months ago after it's been outlawed before. Any advice?

[@willsr.9154]

Willie Turner i also uber in Florida and with Geico. I afraid to even pick up the phone and raise a flags... As long as I'm covered while im on a trip I'm ok with that... It's been a year anything new on your end??

[@jasondoolin6476]

Also a fellow Floridian gig worker here. Unfortunate that rate is so high. I got quoted much lower from Buckle

[@andymanalo86]

You don’t need ride share insurance. Period 1,you are covered by your insurance. Period 2$3 by lyft or uber. End of trip you’re back to period 1

[@remigiusganis5828]

Harry, please review about UZURV. How it work. I see they already in at Orange County, but not yet in LA.

[@douglasvoss4776]

I prefer Uber to Lyft. Every area is different, & I have driven in Naples, Fl. for 1.5 years. People r nice, except late night which I now avoid. Some passengers sit in the front seat, esp females. Also, tips r nice, & I find my wait time no different between the 2. I also get poor connectivity message sometimes w/Lyft, & thus cannot connect to the app. I once accepted a Lyft ride request then lost the signal therefore losing the ride. Also. I like the driver app WAY more than Lyft. Plus, Lyft collision has $2500 deduc vs $1000 for Uber.

[@Native722]

Can these rideshare insurance be applied to food delivery like grubhub, doordash, etc?

[@Therideshareguy]

It depends on the company: therideshareguy.com/how-delivery-insurance-works-and-options-for-drivers/

[@pamelacotton1549]

Can you have more than one insurance? Can you have more than one car insurance?

[@snowtheceo2009]

Insurance for FULL TIME DRIVERS. Because apparently if Uber is your source of income then they don't want to cover you at all. 😑

[@Therideshareguy]

There are insurance companies that will insure full time drivers: therideshareguy.com/rideshare-insurance-options-for-drivers/

[@tictac9367]

I don't understand what these people are talking about you tell your insurance that your doing Rideshare putting an excess 40k miles a year on the road but only paying 20 dollars more for Rideshare insurance???

[@MariaRamirez-cb6pq]

Does AAA offer ride share insurance?

[@JuanMartinez-rm4cj]

I have Travellers Insurance....

[@Imancabistan]

With who?

[@PastorBillwillard2147]

hey Harry have you crunched the numbers for the Uber driver as to what they need to make per day minus their overhead to bring home a decent paycheck.

[@Therideshareguy]

Depends on what car you drive. Here's some more info: therideshareguy.com/how-to-calculate-per-mile-earnings-instead-of-per-hour/

[@Fanzindel]

It's pathetic that this is still an issue in 2017.

[@muradshawar]

Fanzindel it’s still an issue in 2019 as well

[@michaelguy00777]

@@muradshawar it’s still an issue in 2021.

[@vaac3057670]

What about Uber Eats where you don't have a passenger?

[@Therideshareguy]

:) therideshareguy.com/how-delivery-insurance-works-and-options-for-drivers/

[@AlexErides]

Harry, is there any other coverage in New Jersey yet besides Farmers for rideshare?

[@NatanelYaHu]

Alex H. try usaa

[@Therideshareguy]

Just Farmers and USAA at the moment... We'll update our list if we hear of more. therideshareguy.com/rideshare-insurance-options-for-drivers

[@hmongparee07]

Do I also need Personal insurance along with Rideshare insurance? Still doing research on this topic & quoting insurance companies. I've heard that Uber has GAP coverage also. Please clarify. Thanks.

[@Therideshareguy]

Rideshare insurance is a package replacement for your existing personal policy. Check the blog for more info: therideshareguy.com/rideshare-insurance-options-for-drivers/

[@hmongparee07]

The Rideshare Guy Thanks for the response.

[@jessegolphinjr3225]

My rideshare insurance (WHICH is called COMMERCIAL INSURANCE) with GEICO covers both the rideshare AND personal insurance.

[@dave-by2on]

i would have both. CYA!!!

[@rigolicious1]

I'm about to start driving uber through the uber exchange program I wanted to know if I've is okay with me carrying a taser just in case I get a violent passenger

[@mattb1446]

rigolicious1 uber says no but uber dont care bout ur safety. check ur state laws so u dont get in trouble if its illegal and just dont let passanger see it cause if they want to be an a hole and many are they will contact uber and u can get deactivated.

[@cynthiamendoza997]

I start watching your videos and I have a important question, I don't know if you can answer. I delete my uber (rider) account and I wanted to be a uber driver, we'll helping my husban to drive the same car. I have to register again, but can I register with my same email and same cell phone? thank you

[@Therideshareguy]

Yep, should be no problem :)

[@arthurappling8022]

I have multi state insurance will uber cover me?

[@Therideshareguy]

Uber covers you while you have a passenger in the car no matter what insurance you have. Uber and Lyft don't cover you if you don't have a passenger in the car, which is why I recommend rideshare insurance: therideshareguy.com/the-most-popular-rideshare-questions-answered/

[@edwardjj4224]

All State and State Farm don't do commercial insurance simply coll them and ask this is absolutely B.S for that money what Uber paying You can maybe bay insurance for moped not for vehicle for hire

[@DavidSmith-vl1wr]

Get commercial insurance

[@AntwanReynolds2k3]

If you can afford it. I personally don't do rideshare full-time so a rideshare endorsement is more appropriate for me. It just doesn't cover deliveries.

[@DavidSmith-vl1wr]

I pay only $99 a month for my $1,000,000 policy, it's only $14 more a month, from whatvI was paying for a $300,000 personal policy

[@AntwanReynolds2k3]

You should always disclose your state when talking about insurance because it's an apples to oranges comparison otherwise. Do you live in Texas like me?

[@travispfeifer1979]

That’s too expensive

[@Gearskid24]

second!!!

[@ubreakitirepairit3569]

First?

[@hgc04]

uBreakIt iRepairIt You win!

[@Gearskid24]

Harry Campbell :(