Plymouth Rock has rideshare insurance* for Uber or Lyft drivers in PA that can give you increased coverage while you’re participating in the sharing economy. Plus, it covers many other rideshare companies, too!
Do rideshare companies offer auto insurance?
Yes, rideshare companies provide some insurance, but you may not always be fully covered by these policies. And, generally speaking, personal auto policies across the industry often do not cover any rideshare driving activity.
Why should you bother with additional rideshare insurance? Well, coverage gaps could mean you have to pay for damage to your car or for your medical expenses without help from your rideshare company insurance. Plymouth Rock’s rideshare endorsement for part-time drivers can help you avoid some of those potential coverage gaps.
Want to learn more? Call 800-516-9242 or talk to your local agent to get covered for rideshare driving today.
Typical rideshare-provided insurance
To start, there are three periods of rideshare driving:
- You’ve activated the rideshare app and are waiting for someone to request a ride.
- The app has matched you with a passenger and you head to pick them up.
- Your passenger gets in and you’re off!
Rideshare companies, which are technically called “transportation network companies” or “TNCs,” generally provide low-limit coverage during the first period. During period 1, TNC policies usually only provide low-limit coverage for injuries you may cause to others or damage to others’ property. And, they do not typically cover damage to your car.
TNCs provide commercial policies for drivers during periods 2 and 3. During these periods, a typical TNC policy only provides drivers with low-limit coverage for their own injuries, and potentially higher collision and comprehensive deductibles than drivers typically carry on their personal auto policy.
Plymouth Rock’s rideshare insurance
Plymouth Rock’s coverage allows rideshare drivers to fill some potential insurance gaps. You have your choice of two options:
The basic rideshare driver endorsement. This is excess coverage that expands what you receive from TNCs in period 1.
The enhanced rideshare driver endorsement. This includes the basic coverage, along with excess coverage for periods 2 and 3. Plus, Plymouth Rock will cover the difference in the physical damage deductible on the driver’s personal policy and the deductible on the TNC policy in those two periods.
The best part? Adding this coverage costs less than you might think. Plymouth Rock’s insurance professionals and local agents can tell you exactly how you’re covered with our rideshare insurance, how much it costs and answer your questions.
Need help? We’re here for you.
Phone
Online
Home insurance for Connecticut, Massachusetts, new Hampshire, New Jersey, New York and Pennsylvania
Agent
* Availability varies by state, underwriting company, underwriting criteria and distribution channel. Contact your local agent to determine whether rideshare coverage is available for your policy.